Side-by-side · Q2 2026 data
Your Choice Federal Credit Union vs Spojnia Credit Union
Credit union
Your Choice Federal Credit Union
Altoona, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Your Choice Federal Credit Union | Spojnia Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 50 |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 97 (stronger) | 0 |
| Earnings | 65 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 100 (stronger) | 58 |
| Peer percentile | 77th | 9th |
| Total assets | $14.0M | $14.3M |
| Deposits / shares | $12.2M | $12.1M |
| Capital ratio | 12.55% | 15.49% (stronger) |
| Problem loans | 0.09% (stronger) | 8.33% |
| Net charge-offs | -0.07% (stronger) | 0.00% |
| Return on assets | 1.13% (stronger) | -0.63% |
| Loans ÷ deposits | 25.5% (stronger) | 46.4% |
| Uninsured deposits | 0.5% (stronger) | 22.3% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Your Choice Federal Credit Union has the higher TellerScore (85 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Your Choice Federal Credit Union leads on 6 and Spojnia Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.