Side-by-side · Q2 2026 data
First Bank & Trust Company vs Okunity Federal Credit Union
Metric by metric
| Measure | First Bank & Trust Company | Okunity Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 72 |
| Capital cushion | 63 | 73 (stronger) |
| Loan quality | 76 | 84 (stronger) |
| Earnings | 89 (stronger) | 48 |
| Funding & liquidity | 85 (stronger) | 66 |
| Problem-loan coverage | 92 | 93 (stronger) |
| Peer percentile | 72nd | 57th |
| Total assets | $255.2M | $214.7M |
| Deposits / shares | $229.3M | $175.6M |
| Capital ratio | 11.34% | 12.33% (stronger) |
| Problem loans | 0.73% | 0.48% (stronger) |
| Net charge-offs | 1.63% | 0.42% (stronger) |
| Return on assets | 1.73% (stronger) | 0.71% |
| Loans ÷ deposits | 65.1% (stronger) | 93.9% |
| Uninsured deposits | 23.8% | 5.0% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.9% | — |
First Bank & Trust Company has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Bank & Trust Company leads on 3 and Okunity Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.