Side-by-side · Q2 2026 data
First Bank vs True North Federal Credit Union
Metric by metric
| Measure | First Bank | True North Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 58 |
| Capital cushion | 52 | 52 |
| Loan quality | 99 (stronger) | 71 |
| Earnings | 69 (stronger) | 28 |
| Funding & liquidity | 78 (stronger) | 69 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 64th | 16th |
| Total assets | $889.9M | $236.2M |
| Deposits / shares | $816.2M | $209.2M |
| Capital ratio | 10.16% | 10.19% (stronger) |
| Problem loans | 0.03% (stronger) | 0.87% |
| Net charge-offs | -0.02% (stronger) | 0.82% |
| Return on assets | 1.22% (stronger) | 0.19% |
| Loans ÷ deposits | 29.5% (stronger) | 90.8% |
| Uninsured deposits | 35.4% | 6.9% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 31.5% |
First Bank has the higher TellerScore (76 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 5 and True North Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.