Side-by-side · Q2 2026 data
First Class Community Credit Union vs Serve Credit Union
Credit union
First Class Community Credit Union
West Des Moines, Iowa · Under $100 million in assets
Metric by metric
| Measure | First Class Community Credit Union | Serve Credit Union |
|---|---|---|
| TellerScore | 78 | 84 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 88 (stronger) | 73 |
| Earnings | 69 | 78 (stronger) |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 59th | 86th |
| Total assets | $95.8M | $101.3M |
| Deposits / shares | $85.7M | $82.2M |
| Capital ratio | 10.79% | 18.08% (stronger) |
| Problem loans | 0.37% (stronger) | 0.81% |
| Net charge-offs | 0.29% | 0.21% (stronger) |
| Return on assets | 1.22% | 1.44% (stronger) |
| Loans ÷ deposits | 42.2% (stronger) | 87.2% |
| Uninsured deposits | 2.5% (stronger) | 2.6% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 35.3% | 12.1% |
Serve Credit Union has the higher TellerScore (84 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First Class Community Credit Union leads on 3 and Serve Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.