Side-by-side · Q2 2026 data
Avana Bank vs First Watch Federal Credit Union
Metric by metric
| Measure | Avana Bank | First Watch Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 43 |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 3 | 28 (stronger) |
| Funding & liquidity | 89 (stronger) | 87 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 63rd | 37th |
| Total assets | $39.6M | $104.7M |
| Deposits / shares | $30.6M | $94.7M |
| Capital ratio | 17.52% (stronger) | 9.33% |
| Problem loans | 0.00% (stronger) | 0.03% |
| Net charge-offs | 0.00% (stronger) | 0.14% |
| Return on assets | -0.42% | 0.19% (stronger) |
| Loans ÷ deposits | 46.3% (stronger) | 73.0% |
| Uninsured deposits | 25.4% | 6.4% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 27.8% |
Avana Bank has the higher TellerScore (79 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Avana Bank leads on 5 and First Watch Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.