Side-by-side · Q2 2026 data
Choice Financial Group vs First United Bank
Metric by metric
| Measure | Choice Financial Group | First United Bank |
|---|---|---|
| TellerScore | 73 | 78 (stronger) |
| Capital cushion | 58 (stronger) | 51 |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 72 | 87 (stronger) |
| Funding & liquidity | 86 (stronger) | 71 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 70th | 72nd |
| Total assets | $6.4B | $810.8M |
| Deposits / shares | $5.1B | $702.1M |
| Capital ratio | 10.84% (stronger) | 10.13% |
| Problem loans | 0.68% | 0.01% (stronger) |
| Net charge-offs | 0.31% | 0.01% (stronger) |
| Return on assets | 1.30% | 1.66% (stronger) |
| Loans ÷ deposits | 62.0% (stronger) | 81.9% |
| Uninsured deposits | 26.5% | 21.6% (stronger) |
| Offices | 18 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | 3.2% |
First United Bank has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Choice Financial Group leads on 2 and First United Bank 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.
Where both have branches
- Fargo, ND
- Grafton, ND