Side-by-side · Q2 2026 data
Wheatland Federal Credit Union vs First Capital Federal Credit Union
Credit union
Wheatland Federal Credit Union
Lancaster, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Wheatland Federal Credit Union | First Capital Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 81 (stronger) |
| Capital cushion | 36 | 70 (stronger) |
| Loan quality | 92 | 93 (stronger) |
| Earnings | 38 | 63 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 32nd | 80th |
| Total assets | $69.9M | $368.5M |
| Deposits / shares | $63.7M | $322.4M |
| Capital ratio | 8.59% | 11.95% (stronger) |
| Problem loans | 0.24% | 0.20% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.12% |
| Return on assets | 0.45% | 1.07% (stronger) |
| Loans ÷ deposits | 59.8% (stronger) | 66.6% |
| Uninsured deposits | 1.6% (stronger) | 3.7% |
| Offices | 4 | 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 66). On the 7 directional measures above (where higher or lower is clearly better), Wheatland Federal Credit Union leads on 3 and First Capital Federal Credit Union on 4. 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.