Side-by-side · Q2 2026 data
First Central State Bank vs Blackhawk Area Credit Union
Metric by metric
| Measure | First Central State Bank | Blackhawk Area Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 79 |
| Capital cushion | 84 | 84 |
| Loan quality | 93 | 96 (stronger) |
| Earnings | 77 (stronger) | 45 |
| Funding & liquidity | 65 | 71 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 84th | 62nd |
| Total assets | $772.4M | $39.1M |
| Deposits / shares | $595.4M | $34.5M |
| Capital ratio | 13.39% | 13.41% (stronger) |
| Problem loans | 0.21% | 0.13% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.09% |
| Return on assets | 1.43% (stronger) | 0.62% |
| Loans ÷ deposits | 82.4% (stronger) | 89.3% |
| Uninsured deposits | 26.7% | 0.0% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
First Central State Bank has the higher TellerScore (83 vs 79). On the 7 directional measures above (where higher or lower is clearly better), First Central State Bank leads on 4 and Blackhawk Area Credit Union on 3. 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.