Side-by-side · Q2 2026 data
First American Bank vs Financial Security Credit Union
Credit union
Financial Security Credit Union
Carlsbad, New Mexico · Under $100 million in assets
Metric by metric
| Measure | First American Bank | Financial Security Credit Union |
|---|---|---|
| TellerScore | 80 | 81 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 82 (stronger) | 77 |
| Earnings | 100 (stronger) | 58 |
| Funding & liquidity | 63 | 71 (stronger) |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 90th | 68th |
| Total assets | $1.9B | $63.6M |
| Deposits / shares | $1.6B | $52.8M |
| Capital ratio | 11.79% | 16.62% (stronger) |
| Problem loans | 0.53% (stronger) | 0.69% |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 2.89% (stronger) | 0.96% |
| Loans ÷ deposits | 70.3% (stronger) | 88.9% |
| Uninsured deposits | 38.8% | 6.4% (stronger) |
| Offices | 19 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | — |
Financial Security Credit Union has the higher TellerScore (81 vs 80). On the 7 directional measures above (where higher or lower is clearly better), First American Bank leads on 3 and Financial Security 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.