Side-by-side · Q2 2026 data
First Bank vs Mountain Credit Union
Metric by metric
| Measure | First Bank | Mountain Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 70 |
| Capital cushion | 65 (stronger) | 62 |
| Loan quality | 84 (stronger) | 78 |
| Earnings | 83 (stronger) | 43 |
| Funding & liquidity | 51 | 95 (stronger) |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 87th | 51st |
| Total assets | $13.0B | $372.4M |
| Deposits / shares | $11.1B | $327.2M |
| Capital ratio | 11.50% (stronger) | 11.22% |
| Problem loans | 0.49% (stronger) | 0.67% |
| Net charge-offs | 0.05% (stronger) | 0.52% |
| Return on assets | 1.56% (stronger) | 0.59% |
| Loans ÷ deposits | 80.0% | 65.4% (stronger) |
| Uninsured deposits | 41.0% | 6.6% (stronger) |
| Offices | 111 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | 19.0% |
First Bank has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 5 and Mountain Credit Union on 2. 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.
Where both have branches
- Candler, NC
- Fletcher, NC
- Franklin, NC
- Sylva, NC