Side-by-side · Q2 2026 data
Fall River Five Cents Savings Bank vs Natco Employees Federal Credit Union
Bank
Fall River Five Cents Savings Bank
Fall River, Massachusetts · $1 billion – $10 billion
Credit union
Natco Employees Federal Credit Union
West Warwick, Rhode Island · Under $100 million in assets
Metric by metric
| Measure | Fall River Five Cents Savings Bank | Natco Employees Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 93 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 76 | 100 (stronger) |
| Earnings | 36 | 65 (stronger) |
| Funding & liquidity | 43 | 100 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 9th | 94th |
| Total assets | $1.9B | $208K |
| Deposits / shares | $1.4B | $170K |
| Capital ratio | 8.70% | 17.44% (stronger) |
| Problem loans | 0.73% | 0.00% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 0.39% | 1.13% (stronger) |
| Loans ÷ deposits | 104.5% | 23.9% (stronger) |
| Uninsured deposits | 26.9% | 0.0% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.9% | — |
Natco Employees Federal Credit Union has the higher TellerScore (93 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Fall River Five Cents Savings Bank leads on 1 and Natco Employees Federal Credit Union on 6. 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.