Side-by-side · Q2 2026 data
First Central State Bank vs The Family Credit Union
Metric by metric
| Measure | First Central State Bank | The Family Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 75 |
| Capital cushion | 84 | 90 (stronger) |
| Loan quality | 93 (stronger) | 63 |
| Earnings | 77 (stronger) | 41 |
| Funding & liquidity | 65 | 99 (stronger) |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 84th | 66th |
| Total assets | $772.4M | $253.3M |
| Deposits / shares | $595.4M | $216.0M |
| Capital ratio | 13.39% | 13.99% (stronger) |
| Problem loans | 0.21% (stronger) | 1.10% |
| Net charge-offs | 0.01% (stronger) | 0.99% |
| Return on assets | 1.43% (stronger) | 0.52% |
| Loans ÷ deposits | 82.4% | 61.5% (stronger) |
| Uninsured deposits | 26.7% | 5.5% (stronger) |
| Offices | 6 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
First Central State Bank has the higher TellerScore (83 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First Central State Bank leads on 4 and The Family Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.