Side-by-side · Q2 2026 data
First Colony Bank of Florida vs McCoy Federal Credit Union
Metric by metric
| Measure | First Colony Bank of Florida | McCoy Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 65 |
| Capital cushion | 49 | 54 (stronger) |
| Loan quality | 94 (stronger) | 80 |
| Earnings | 100 (stronger) | 35 |
| Funding & liquidity | 76 | 82 (stronger) |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 75th | 41st |
| Total assets | $291.1M | $1.0B |
| Deposits / shares | $262.4M | $900.7M |
| Capital ratio | 9.94% | 10.45% (stronger) |
| Problem loans | 0.17% (stronger) | 0.59% |
| Net charge-offs | 0.00% (stronger) | 0.62% |
| Return on assets | 2.07% (stronger) | 0.39% |
| Loans ÷ deposits | 75.5% (stronger) | 78.5% |
| Uninsured deposits | 23.0% | 5.7% (stronger) |
| Offices | 1 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 48.8% |
First Colony Bank of Florida has the higher TellerScore (79 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First Colony Bank of Florida leads on 5 and McCoy Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.