Side-by-side · Q2 2026 data
Your Choice Federal Credit Union vs Penntech Employees Federal Credit Union
Credit union
Your Choice Federal Credit Union
Altoona, Pennsylvania · Under $100 million in assets
Credit union
Penntech Employees Federal Credit Union
Johnsonburg, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Your Choice Federal Credit Union | Penntech Employees Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 46 |
| Capital cushion | 76 (stronger) | 53 |
| Loan quality | 97 (stronger) | 3 |
| Earnings | 65 (stronger) | 31 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 80 |
| Peer percentile | 77th | 6th |
| Total assets | $14.0M | $13.9M |
| Deposits / shares | $12.2M | $12.4M |
| Capital ratio | 12.55% (stronger) | 10.30% |
| Problem loans | 0.09% (stronger) | 2.90% |
| Net charge-offs | -0.07% (stronger) | 0.52% |
| Return on assets | 1.13% (stronger) | 0.28% |
| Loans ÷ deposits | 25.5% (stronger) | 39.6% |
| Uninsured deposits | 0.5% | 0.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Your Choice Federal Credit Union has the higher TellerScore (85 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Your Choice Federal Credit Union leads on 6 and Penntech Employees Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.