Side-by-side · Q2 2026 data
First American State Bank vs Star Tech Federal Credit Union
Credit union
Star Tech Federal Credit Union
Greenwood Villa, Colorado · Under $100 million in assets
Metric by metric
| Measure | First American State Bank | Star Tech Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 91 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 92 (stronger) | 87 |
| Earnings | 38 | 80 (stronger) |
| Funding & liquidity | 53 | 91 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 22nd | 90th |
| Total assets | $276.9M | $11.1M |
| Deposits / shares | $207.1M | $8.6M |
| Capital ratio | 9.67% | 22.22% (stronger) |
| Problem loans | 0.24% (stronger) | 0.38% |
| Net charge-offs | 0.00% (stronger) | 0.40% |
| Return on assets | 0.44% | 1.50% (stronger) |
| Loans ÷ deposits | 93.1% | 69.3% (stronger) |
| Uninsured deposits | 27.6% | 8.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Star Tech Federal Credit Union has the higher TellerScore (91 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First American State Bank leads on 2 and Star Tech Federal Credit Union 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.