Side-by-side · Q2 2026 data
First Community Bank vs National Employees Federal Credit Union
Credit union
National Employees Federal Credit Union
Bluefield, West Virginia · Under $100 million in assets
Metric by metric
| Measure | First Community Bank | National Employees Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 68 |
| Capital cushion | 52 | 81 (stronger) |
| Loan quality | 77 (stronger) | 66 |
| Earnings | 100 (stronger) | 27 |
| Funding & liquidity | 73 | 88 (stronger) |
| Problem-loan coverage | 94 (stronger) | 90 |
| Peer percentile | 77th | 36th |
| Total assets | $3.6B | $15.0M |
| Deposits / shares | $3.0B | $13.0M |
| Capital ratio | 10.23% | 13.07% (stronger) |
| Problem loans | 0.70% (stronger) | 1.02% |
| Net charge-offs | 0.17% | 0.11% (stronger) |
| Return on assets | 2.05% (stronger) | 0.16% |
| Loans ÷ deposits | 79.9% | 72.5% (stronger) |
| Uninsured deposits | 21.3% | 0.9% (stronger) |
| Offices | 62 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.8% | — |
First Community Bank has the higher TellerScore (75 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 3 and National Employees Federal Credit Union on 4. 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.