Side-by-side · Q2 2026 data
Valley 1st Community Federal Credit Union vs Firstenergy Choice Federal Credit Union
Credit union
Valley 1st Community Federal Credit Union
Monessen, Pennsylvania · $100 million – $1 billion
Credit union
Firstenergy Choice Federal Credit Union
Greensburg, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Valley 1st Community Federal Credit Union | Firstenergy Choice Federal Credit Union |
|---|---|---|
| TellerScore | 89 | 93 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 75 | 94 (stronger) |
| Earnings | 87 (stronger) | 73 |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 94th | 94th |
| Total assets | $106.9M | $51.6M |
| Deposits / shares | $82.7M | $41.0M |
| Capital ratio | 23.12% (stronger) | 21.32% |
| Problem loans | 0.75% | 0.19% (stronger) |
| Net charge-offs | 0.21% | 0.21% (stronger) |
| Return on assets | 1.69% (stronger) | 1.31% |
| Loans ÷ deposits | 71.0% | 32.0% (stronger) |
| Uninsured deposits | 7.5% | 4.8% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Firstenergy Choice Federal Credit Union has the higher TellerScore (93 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Valley 1st Community Federal Credit Union leads on 2 and Firstenergy Choice Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.