Side-by-side · Q2 2026 data
Star USA Federal Credit Union vs First Choice America Community Federal Credit Union
Credit union
Star USA Federal Credit Union
Charleston, West Virginia · $100 million – $1 billion
Credit union
First Choice America Community Federal Credit Union
Weirton, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Star USA Federal Credit Union | First Choice America Community Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 96 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 67 | 95 (stronger) |
| Earnings | 48 | 87 (stronger) |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 70 | 100 (stronger) |
| Peer percentile | 26th | 99th |
| Total assets | $153.0M | $713.9M |
| Deposits / shares | $129.0M | $581.8M |
| Capital ratio | 10.61% | 18.15% (stronger) |
| Problem loans | 0.98% | 0.15% (stronger) |
| Net charge-offs | 0.34% | 0.00% (stronger) |
| Return on assets | 0.70% | 1.67% (stronger) |
| Loans ÷ deposits | 82.7% | 23.3% (stronger) |
| Uninsured deposits | 2.4% (stronger) | 13.2% |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | 12.8% |
First Choice America Community Federal Credit Union has the higher TellerScore (96 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Star USA Federal Credit Union leads on 1 and First Choice America Community Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.