Side-by-side · Q2 2026 data
First Bank vs S H P E Federal Credit Union
Metric by metric
| Measure | First Bank | S H P E Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 33 |
| Capital cushion | 80 (stronger) | 25 |
| Loan quality | 63 (stronger) | 0 |
| Earnings | 83 (stronger) | 58 |
| Funding & liquidity | 58 | 92 (stronger) |
| Problem-loan coverage | 86 (stronger) | 0 |
| Peer percentile | 57th | 2nd |
| Total assets | $562.9M | $4.1M |
| Deposits / shares | $484.6M | $3.8M |
| Capital ratio | 12.96% (stronger) | 7.49% |
| Problem loans | 1.11% (stronger) | 11.30% |
| Net charge-offs | -0.00% (stronger) | 1.68% |
| Return on assets | 1.58% (stronger) | 0.96% |
| Loans ÷ deposits | 78.8% | 68.0% (stronger) |
| Uninsured deposits | 35.7% | 0.0% (stronger) |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.4% | — |
First Bank has the higher TellerScore (74 vs 33). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 5 and S H P E Federal 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.