Side-by-side · Q2 2026 data
1st National Bank vs Cincinnati Interagency Federal Credit Union
Credit union
Cincinnati Interagency Federal Credit Union
Cincinnati, Ohio · Under $100 million in assets
Metric by metric
| Measure | 1st National Bank | Cincinnati Interagency Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 92 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 75 (stronger) | 73 |
| Earnings | 43 | 98 (stronger) |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 20th | 92nd |
| Total assets | $247.2M | $30.8M |
| Deposits / shares | $214.3M | $24.9M |
| Capital ratio | 9.56% | 18.24% (stronger) |
| Problem loans | 0.74% (stronger) | 0.82% |
| Net charge-offs | 0.05% (stronger) | 0.56% |
| Return on assets | 0.57% | 1.96% (stronger) |
| Loans ÷ deposits | 79.1% | 49.5% (stronger) |
| Uninsured deposits | 23.9% | 2.1% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.6% | — |
Cincinnati Interagency Federal Credit Union has the higher TellerScore (92 vs 61). On the 7 directional measures above (where higher or lower is clearly better), 1st National Bank leads on 2 and Cincinnati Interagency Federal Credit Union on 5. 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.