Side-by-side · Q2 2026 data
Service 1st Federal Credit Union vs Ardent Federal Credit Union
Credit union
Service 1st Federal Credit Union
Danville, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Service 1st Federal Credit Union | Ardent Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 64 |
| Capital cushion | 61 (stronger) | 51 |
| Loan quality | 84 (stronger) | 82 |
| Earnings | 64 (stronger) | 29 |
| Funding & liquidity | 62 | 84 (stronger) |
| Problem-loan coverage | 92 | 93 (stronger) |
| Peer percentile | 54th | 31st |
| Total assets | $837.1M | $869.3M |
| Deposits / shares | $745.4M | $746.0M |
| Capital ratio | 11.10% (stronger) | 10.11% |
| Problem loans | 0.49% (stronger) | 0.53% |
| Net charge-offs | 0.46% | 0.27% (stronger) |
| Return on assets | 1.10% (stronger) | 0.23% |
| Loans ÷ deposits | 98.3% | 76.1% (stronger) |
| Uninsured deposits | 13.1% | 11.0% (stronger) |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.6% |
Service 1st Federal Credit Union has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Service 1st Federal Credit Union leads on 4 and Ardent Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.