Side-by-side · Q2 2026 data
CNB Bank vs U-1st Community Federal Credit Union
Credit union
U-1st Community Federal Credit Union
Carlsbad, New Mexico · Under $100 million in assets
Metric by metric
| Measure | CNB Bank | U-1st Community Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 74 |
| Capital cushion | 47 | 94 (stronger) |
| Loan quality | 97 (stronger) | 92 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 48 | 85 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 77th | 49th |
| Total assets | $1.1B | $9.3M |
| Deposits / shares | $969.7M | $8.0M |
| Capital ratio | 9.73% | 14.38% (stronger) |
| Problem loans | 0.09% (stronger) | 0.24% |
| Net charge-offs | -0.00% | -0.02% (stronger) |
| Return on assets | 2.16% (stronger) | -1.47% |
| Loans ÷ deposits | 82.2% | 74.9% (stronger) |
| Uninsured deposits | 42.5% | 1.2% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
CNB Bank has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), CNB Bank leads on 3 and U-1st Community Federal Credit Union on 4. 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.