Side-by-side · Q2 2026 data
First Bank vs Midway Federal Credit Union
Credit union
Midway Federal Credit Union
Berryville, Virginia · Under $100 million in assets
Metric by metric
| Measure | First Bank | Midway Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 85 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 65 (stronger) | 25 |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 44th | 77th |
| Total assets | $2.1B | $9.7M |
| Deposits / shares | $1.8B | $7.9M |
| Capital ratio | 9.44% | 23.64% (stronger) |
| Problem loans | 0.32% | 0.00% (stronger) |
| Net charge-offs | 0.09% | -0.04% (stronger) |
| Return on assets | 1.14% (stronger) | 0.11% |
| Loans ÷ deposits | 79.8% | 42.3% (stronger) |
| Uninsured deposits | 31.1% | 0.3% (stronger) |
| Offices | 32 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.0% | — |
Midway Federal Credit Union has the higher TellerScore (85 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 1 and Midway Federal Credit Union on 6. 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.