Side-by-side · Q2 2026 data
First Capital Bank vs Latitude 32 Federal Credit Union
Credit union
Latitude 32 Federal Credit Union
Charleston, South Carolina · Under $100 million in assets
Metric by metric
| Measure | First Capital Bank | Latitude 32 Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 88 (stronger) |
| Capital cushion | 46 | 98 (stronger) |
| Loan quality | 97 (stronger) | 87 |
| Earnings | 65 | 74 (stronger) |
| Funding & liquidity | 49 | 81 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 49th | 85th |
| Total assets | $1.3B | $69.5M |
| Deposits / shares | $1.1B | $58.8M |
| Capital ratio | 9.58% | 14.83% (stronger) |
| Problem loans | 0.10% (stronger) | 0.39% |
| Net charge-offs | -0.00% (stronger) | 0.28% |
| Return on assets | 1.14% | 1.34% (stronger) |
| Loans ÷ deposits | 97.3% | 79.3% (stronger) |
| Uninsured deposits | 27.1% | 6.3% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | — |
Latitude 32 Federal Credit Union has the higher TellerScore (88 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Capital Bank leads on 2 and Latitude 32 Federal 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.