Side-by-side · Q2 2026 data
First Central State Bank vs Empeople Credit Union
Metric by metric
| Measure | First Central State Bank | Empeople Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 58 |
| Capital cushion | 84 (stronger) | 33 |
| Loan quality | 93 (stronger) | 80 |
| Earnings | 77 (stronger) | 50 |
| Funding & liquidity | 65 (stronger) | 62 |
| Problem-loan coverage | 97 (stronger) | 87 |
| Peer percentile | 84th | 19th |
| Total assets | $772.4M | $2.3B |
| Deposits / shares | $595.4M | $2.0B |
| Capital ratio | 13.39% (stronger) | 8.31% |
| Problem loans | 0.21% (stronger) | 0.59% |
| Net charge-offs | 0.01% (stronger) | 0.46% |
| Return on assets | 1.43% (stronger) | 0.74% |
| Loans ÷ deposits | 82.4% (stronger) | 96.1% |
| Uninsured deposits | 26.7% | 16.7% (stronger) |
| Offices | 6 | 35 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 25.7% |
First Central State Bank has the higher TellerScore (83 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First Central State Bank leads on 6 and Empeople Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.