TellerScore

Credit First National Association is a national bank headquartered in Brook Park, Ohio, in business for about 33 years. At the end of Q2 2026 it reported $39.8M in total assets and $500K in deposits, with 1 office.

Based on its Q2 2026 filing, Credit First National Association scores 94/100, which we describe as very strong. That is higher than 96% of 546 banks with under $100 million in assets. Among 157 banks headquartered in Ohio, it ranks 4th. Its strongest component is capital cushion (100/100; 98.26%), and its lowest is funding & liquidity (61/100; 0% loans-to-deposits, 50% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 98.26%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 22.54%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 0.0% · 50.4% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (94 → 94).

TellerScore
939495Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202494
Q4 202494
Q1 202594
Q2 202594
Q3 202594
Q4 202594
Q1 202694
Q2 202694
Tier 1 leverage ratio
5.00%53.16%101.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202493.23%
Q3 202492.95%
Q4 202491.82%
Q1 2025100.39%
Q2 202596.74%
Q3 202591.36%
Q4 202596.34%
Q1 2026101.32%
Q2 202698.26%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
16.74%22.84%28.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 202421.14%
Q3 202424.48%
Q4 202425.04%
Q1 202520.95%
Q2 202524.98%
Q3 202526.80%
Q4 202528.95%
Q1 202616.74%
Q2 202622.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$39.8M98.26%0.00%22.54%0.0%
Q1 202694$40.6M101.32%0.00%16.74%0.0%
Q4 202594$38.8M96.34%0.00%28.95%0.0%
Q3 202594$39.0M91.36%0.00%26.80%0.0%
Q2 202594$40.0M96.74%0.00%24.98%0.0%
Q1 202594$40.2M100.39%0.00%20.95%0.0%
Q4 202494$38.0M91.82%0.00%25.04%0.0%
Q3 202494$38.4M92.95%0.00%24.48%0.0%
Q2 202494$39.9M93.23%0.00%21.14%0.0%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio98.26%
99th
Total risk-based capital400.63%
99th
Problem loans0.00%
84th
Net charge-offs0.00%
58th
Return on assets22.54%
99th
Net interest margin-0.04%
0th
Efficiency ratio80.1%
32nd
Loans to deposits0.0%
98th
Uninsured deposits50.4%
3rd
Loan-loss reserves0.00%
2nd
Texas ratio0.0%
85th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The Brookville Building and Savings AssociationBank Brookville, OH79 out of 100, Strong$41.2M20.0%0.00%vs
Home Savings Bank of WapakonetaBank Wapakoneta, OH75 out of 100, Strong$45.3M12.4%0.00%vs
The Union Banking CompanyBank West Mansfield, OH65 out of 100, Moderate$54.5M10.8%0.67%vs
The Pioneer Savings BankBank Cleveland, OH69 out of 100, Moderate$54.7M11.8%0.00%vs
Liberty BankBank Ironton, OH82 out of 100, Strong$55.7M18.0%0.77%vs
The Mt. Victory State BankBank Mount Victory, OH80 out of 100, Strong$23.4M10.4%0.00%vs

Deposit insurance

Is my money safe at Credit First National Association?

Yes. Credit First National Association is an FDIC-insured institution (FDIC certificate #33855). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 50.4% of deposits ($252K) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 98.26%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 400.63% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Credit First National Association lists 1 office in 1 city. Most locations:

  • Brook Park, OH (1)

All branch addresses and map

Identity & history

Profile

Legal name
Credit First National Association
Type
National bank
FDIC certificate #
33855
RSSD ID
2122997
Primary regulator
OCC
Established
October 19, 1993
Headquarters
6275 Eastland Rd, Brook Park, OH 44142
Employees
100

Quick answers

Credit First National Association: common questions

Is Credit First National Association FDIC insured?

Yes. Credit First National Association is an FDIC-insured institution (FDIC certificate #33855). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Credit First National Association's TellerScore?

94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Credit First National Association ever failed?

There is no failure record for FDIC certificate #33855 in the FDIC failed bank list.

How many branches does Credit First National Association have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Brook Park

InstitutionScoreAssetsCapitalProblem loansCompare
Wiremen'S Credit UnionCredit union Parma, OH92 out of 100, Very strong$40.6M17.0%0.11%vs
Lormet Community Federal Credit UnionCredit union Amherst, OH91 out of 100, Very strong$283.3M13.7%0.15%vs
Solon/Chagrin Falls Federal Credit UnionCredit union Solon, OH90 out of 100, Very strong$9.6M19.8%0.04%vs
Cleveland Selfreliance Federal Credit UnionCredit union Parma, OH88 out of 100, Very strong$113.7M17.3%0.01%vs
Medina County Federal Credit UnionCredit union Wadsworth, OH88 out of 100, Very strong$151.3M12.3%0.09%vs
Acme Federal Credit UnionCredit union Eastlake, OH88 out of 100, Very strong$15.2M18.9%0.18%vs