Side-by-side · Q2 2026 data
CerescoBank vs First Lincoln Federal Credit Union
Metric by metric
| Measure | CerescoBank | First Lincoln Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 34 |
| Capital cushion | 89 (stronger) | 48 |
| Loan quality | 98 (stronger) | 0 |
| Earnings | 81 (stronger) | 0 |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 46 |
| Peer percentile | 92nd | 2nd |
| Total assets | $81.3M | $17.9M |
| Deposits / shares | $69.0M | $16.1M |
| Capital ratio | 13.85% (stronger) | 9.78% |
| Problem loans | 0.06% (stronger) | 7.36% |
| Net charge-offs | 0.04% (stronger) | 1.53% |
| Return on assets | 1.52% (stronger) | -2.25% |
| Loans ÷ deposits | 63.3% | 39.8% (stronger) |
| Uninsured deposits | 13.7% | 4.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
CerescoBank has the higher TellerScore (92 vs 34). On the 7 directional measures above (where higher or lower is clearly better), CerescoBank leads on 5 and First Lincoln Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.