Side-by-side · Q2 2026 data
First & Peoples Bank and Trust Company vs F.C.I. Ashland Federal Credit Union
Credit union
F.C.I. Ashland Federal Credit Union
Ashland, Kentucky · Under $100 million in assets
Metric by metric
| Measure | First & Peoples Bank and Trust Company | F.C.I. Ashland Federal Credit Union |
|---|---|---|
| TellerScore | 27 | 81 (stronger) |
| Capital cushion | 40 | 93 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 1 | 23 (stronger) |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 0 | 100 (stronger) |
| Peer percentile | 0th | 68th |
| Total assets | $207.1M | $8.8M |
| Deposits / shares | $190.6M | $7.5M |
| Capital ratio | 9.05% | 14.25% (stronger) |
| Problem loans | 15.30% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | -0.48% | 0.07% (stronger) |
| Loans ÷ deposits | 45.9% (stronger) | 68.5% |
| Uninsured deposits | 14.7% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
F.C.I. Ashland Federal Credit Union has the higher TellerScore (81 vs 27). On the 6 directional measures above (where higher or lower is clearly better), First & Peoples Bank and Trust Company leads on 1 and F.C.I. Ashland 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.