Side-by-side · Q2 2026 data
First Bankers Trust Company, National Association vs United Community Credit Union
Bank
First Bankers Trust Company, National Association
Quincy, Illinois · $1 billion – $10 billion
Metric by metric
| Measure | First Bankers Trust Company, National Association | United Community Credit Union |
|---|---|---|
| TellerScore | 57 | 84 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 57 | 87 (stronger) |
| Earnings | 47 | 62 (stronger) |
| Funding & liquidity | 69 | 71 (stronger) |
| Problem-loan coverage | 80 | 95 (stronger) |
| Peer percentile | 16th | 86th |
| Total assets | $1.2B | $134.1M |
| Deposits / shares | $1.0B | $113.2M |
| Capital ratio | 10.00% | 15.41% (stronger) |
| Problem loans | 1.28% | 0.40% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.38% |
| Return on assets | 0.68% | 1.05% (stronger) |
| Loans ÷ deposits | 59.8% (stronger) | 89.4% |
| Uninsured deposits | 43.1% | 2.3% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.4% | — |
United Community Credit Union has the higher TellerScore (84 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First Bankers Trust Company, National Association leads on 2 and United Community Credit Union on 5. 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.