Three Rivers vs Firstenergy Choice
Comparing a Credit Union in Fort Wayne, IN with a Credit Union in Greensburg, PA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Three Rivers ↗ Credit Union · Fort Wayne, IN · Est. 1935 | Firstenergy Choice ↗ Credit Union · Greensburg, PA · Est. 1935 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Fort Wayne, IN | Greensburg, PA |
| Total assets | $2.8B | $52.2M |
| Net worth ratio | 13.6% | 20.8% |
| Return on assets | 1.8% | 1.3% |
| Shares & deposits | — | — |
| Members | 138,447 | 3,558 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 124 | #4 of 271 |
| Established | 1935 | 1935 |
Three Rivers
- Assets: $2.8B
- Members: 138,447
- Capital ratio: 13.6%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #1 of 124
Firstenergy Choice
- Assets: $52.2M
- Members: 3,558
- Capital ratio: 20.8%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #4 of 271
Are both institutions federally insured?
Yes. Three Rivers is NCUA-insured and Firstenergy Choice is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Three Rivers or Firstenergy Choice?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Three Rivers scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Three Rivers safe?
Yes — Three Rivers is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Firstenergy Choice safe?
Yes — Firstenergy Choice is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Three Rivers vs Firstenergy Choice?
Three Rivers has a net worth ratio of 13.6%, placing it in the top 13% of $1B–10B peers. Firstenergy Choice's ratio is 20.8%, placing it in the top 20% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Three Rivers have compared to Firstenergy Choice?
The CFPB database shows 0 complaints against Three Rivers, and 0 complaints against Firstenergy Choice. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Three Rivers with other Credit Unions in Indiana
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
