Side-by-side · Q2 2026 data
First Community Bank and Trust vs New Century Federal Credit Union
Metric by metric
| Measure | First Community Bank and Trust | New Century Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 80 |
| Capital cushion | 85 | 89 (stronger) |
| Loan quality | 100 (stronger) | 76 |
| Earnings | 84 (stronger) | 50 |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 96th | 65th |
| Total assets | $201.7M | $60.2M |
| Deposits / shares | $170.8M | $51.7M |
| Capital ratio | 13.47% | 13.89% (stronger) |
| Problem loans | 0.00% (stronger) | 0.71% |
| Net charge-offs | -0.21% (stronger) | 0.20% |
| Return on assets | 1.61% (stronger) | 0.75% |
| Loans ÷ deposits | 54.3% | 46.6% (stronger) |
| Uninsured deposits | 18.0% | 5.5% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Bank and Trust has the higher TellerScore (91 vs 80). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank and Trust leads on 4 and New Century Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.