Side-by-side · Q2 2026 data
Summit Choice Federal Credit Union vs First Trust Credit Union
Metric by metric
| Measure | Summit Choice Federal Credit Union | First Trust Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 63 |
| Capital cushion | 76 | 84 (stronger) |
| Loan quality | 78 (stronger) | 0 |
| Earnings | 43 | 72 (stronger) |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 92 (stronger) | 87 |
| Peer percentile | 57th | 29th |
| Total assets | $206.6M | $191.6M |
| Deposits / shares | $179.5M | $165.4M |
| Capital ratio | 12.58% | 13.44% (stronger) |
| Problem loans | 0.66% (stronger) | 3.08% |
| Net charge-offs | 0.64% | 0.00% (stronger) |
| Return on assets | 0.57% | 1.30% (stronger) |
| Loans ÷ deposits | 84.1% | 32.1% (stronger) |
| Uninsured deposits | 4.8% | 1.4% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Summit Choice Federal Credit Union has the higher TellerScore (72 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Summit Choice Federal Credit Union leads on 2 and First Trust Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.