Side-by-side · Q2 2026 data
First Community Bank vs Celco Community Federal Credit Union
Credit union
Celco Community Federal Credit Union
Narrows, Virginia · $100 million – $1 billion
Metric by metric
| Measure | First Community Bank | Celco Community Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 85 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 77 (stronger) | 56 |
| Earnings | 100 (stronger) | 85 |
| Funding & liquidity | 73 | 95 (stronger) |
| Problem-loan coverage | 94 (stronger) | 93 |
| Peer percentile | 77th | 87th |
| Total assets | $3.6B | $143.9M |
| Deposits / shares | $3.0B | $113.2M |
| Capital ratio | 10.23% | 20.92% (stronger) |
| Problem loans | 0.70% (stronger) | 1.33% |
| Net charge-offs | 0.17% | 0.15% (stronger) |
| Return on assets | 2.05% (stronger) | 1.62% |
| Loans ÷ deposits | 79.9% | 65.3% (stronger) |
| Uninsured deposits | 21.3% | 5.3% (stronger) |
| Offices | 62 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.8% | 12.1% |
Celco Community Federal Credit Union has the higher TellerScore (85 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 2 and Celco Community Federal Credit Union on 5. 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.