Side-by-side · Q2 2026 data
Team First Federal Credit Union vs First Capital Federal Credit Union
Credit union
Team First Federal Credit Union
Lancaster, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Team First Federal Credit Union | First Capital Federal Credit Union |
|---|---|---|
| TellerScore | 47 | 81 (stronger) |
| Capital cushion | 85 (stronger) | 70 |
| Loan quality | 0 | 93 (stronger) |
| Earnings | 0 | 63 (stronger) |
| Funding & liquidity | 94 | 94 |
| Problem-loan coverage | 73 | 98 (stronger) |
| Peer percentile | 7th | 80th |
| Total assets | $8.1M | $368.5M |
| Deposits / shares | $7.0M | $322.4M |
| Capital ratio | 13.48% (stronger) | 11.95% |
| Problem loans | 3.30% | 0.20% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.12% |
| Return on assets | -0.74% | 1.07% (stronger) |
| Loans ÷ deposits | 66.4% (stronger) | 66.6% |
| Uninsured deposits | 0.4% (stronger) | 3.7% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.7% |
First Capital Federal Credit Union has the higher TellerScore (81 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Team First Federal Credit Union leads on 4 and First Capital Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.