Side-by-side · Q2 2026 data
First Bank vs Marine Federal Credit Union
Credit union
Marine Federal Credit Union
Jacksonville, North Carolina · $1 billion – $10 billion
Metric by metric
| Measure | First Bank | Marine Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 57 |
| Capital cushion | 65 (stronger) | 54 |
| Loan quality | 84 (stronger) | 55 |
| Earnings | 83 (stronger) | 43 |
| Funding & liquidity | 51 | 73 (stronger) |
| Problem-loan coverage | 95 (stronger) | 79 |
| Peer percentile | 87th | 17th |
| Total assets | $13.0B | $1.1B |
| Deposits / shares | $11.1B | $981.1M |
| Capital ratio | 11.50% (stronger) | 10.41% |
| Problem loans | 0.49% (stronger) | 1.36% |
| Net charge-offs | 0.05% (stronger) | 1.82% |
| Return on assets | 1.56% (stronger) | 0.58% |
| Loans ÷ deposits | 80.0% (stronger) | 87.0% |
| Uninsured deposits | 41.0% | 7.9% (stronger) |
| Offices | 111 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | 18.7% |
First Bank has the higher TellerScore (74 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 6 and Marine Federal Credit Union on 1. 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.