Side-by-side · Q2 2026 data
First Central State Bank vs Aegis Credit Union
Metric by metric
| Measure | First Central State Bank | Aegis Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 77 |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 93 (stronger) | 39 |
| Earnings | 77 | 91 (stronger) |
| Funding & liquidity | 65 | 68 (stronger) |
| Problem-loan coverage | 97 (stronger) | 84 |
| Peer percentile | 84th | 57th |
| Total assets | $772.4M | $27.3M |
| Deposits / shares | $595.4M | $22.5M |
| Capital ratio | 13.39% | 17.61% (stronger) |
| Problem loans | 0.21% (stronger) | 1.83% |
| Net charge-offs | 0.01% | -0.02% (stronger) |
| Return on assets | 1.43% | 1.78% (stronger) |
| Loans ÷ deposits | 82.4% (stronger) | 92.2% |
| Uninsured deposits | 26.7% | 2.5% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
First Central State Bank has the higher TellerScore (83 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First Central State Bank leads on 3 and Aegis Credit Union on 4. 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.