Side-by-side · Q2 2026 data
First Century Bank, National Association vs Robins Financial Credit Union
Bank
First Century Bank, National Association
Commerce, Georgia · $100 million – $1 billion
Credit union
Robins Financial Credit Union
Warner Robins, Georgia · $1 billion – $10 billion
Metric by metric
| Measure | First Century Bank, National Association | Robins Financial Credit Union |
|---|---|---|
| TellerScore | 90 | 94 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 87 |
| Earnings | 86 | 97 (stronger) |
| Funding & liquidity | 50 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 95th | 99th |
| Total assets | $831.6M | $5.0B |
| Deposits / shares | $693.2M | $4.1B |
| Capital ratio | 16.84% | 17.61% (stronger) |
| Problem loans | 0.00% (stronger) | 0.40% |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | 1.64% | 1.91% (stronger) |
| Loans ÷ deposits | 20.3% (stronger) | 70.6% |
| Uninsured deposits | 67.6% | 7.2% (stronger) |
| Offices | 2 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Robins Financial Credit Union has the higher TellerScore (94 vs 90). On the 7 directional measures above (where higher or lower is clearly better), First Century Bank, National Association leads on 3 and Robins Financial 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.