Side-by-side · Q2 2026 data
Community State Bank vs City of Firsts Community Federal Credit Union
Credit union
City of Firsts Community Federal Credit Union
Kokomo, Indiana · Under $100 million in assets
Metric by metric
| Measure | Community State Bank | City of Firsts Community Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 71 (stronger) |
| Capital cushion | 55 (stronger) | 52 |
| Loan quality | 88 | 97 (stronger) |
| Earnings | 45 (stronger) | 30 |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 43rd | 42nd |
| Total assets | $175.9M | $38.5M |
| Deposits / shares | $160.6M | $34.7M |
| Capital ratio | 10.48% (stronger) | 10.23% |
| Problem loans | 0.37% | 0.08% (stronger) |
| Net charge-offs | 0.36% (stronger) | 0.75% |
| Return on assets | 0.62% (stronger) | 0.24% |
| Loans ÷ deposits | 59.0% | 32.4% (stronger) |
| Uninsured deposits | 25.4% | 0.7% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
City of Firsts Community Federal Credit Union has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank leads on 3 and City of Firsts Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.