Side-by-side · Q2 2026 data
First Community Bank and Trust vs Local 697 Federal Credit Union
Credit union
Local 697 Federal Credit Union
Merrillville, Indiana · Under $100 million in assets
Metric by metric
| Measure | First Community Bank and Trust | Local 697 Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 58 |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 84 (stronger) | 26 |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 87 (stronger) | 73 |
| Peer percentile | 96th | 19th |
| Total assets | $201.7M | $49.0M |
| Deposits / shares | $170.8M | $41.4M |
| Capital ratio | 13.47% | 16.03% (stronger) |
| Problem loans | 0.00% (stronger) | 4.55% |
| Net charge-offs | -0.21% (stronger) | -0.10% |
| Return on assets | 1.61% (stronger) | 0.14% |
| Loans ÷ deposits | 54.3% (stronger) | 55.8% |
| Uninsured deposits | 18.0% | 10.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Bank and Trust has the higher TellerScore (91 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank and Trust leads on 5 and Local 697 Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.