Side-by-side · Q2 2026 data
First Community Bank vs Northwest Consumers Federal Credit Union
Credit union
Northwest Consumers Federal Credit Union
Traverse City, Michigan · Under $100 million in assets
Metric by metric
| Measure | First Community Bank | Northwest Consumers Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 77 |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 100 (stronger) | 37 |
| Earnings | 96 (stronger) | 68 |
| Funding & liquidity | 53 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 68th | 57th |
| Total assets | $413.6M | $25.1M |
| Deposits / shares | $358.3M | $19.8M |
| Capital ratio | 9.93% | 19.47% (stronger) |
| Problem loans | 0.00% (stronger) | 1.88% |
| Net charge-offs | 0.00% (stronger) | 0.97% |
| Return on assets | 1.91% (stronger) | 1.20% |
| Loans ÷ deposits | 93.6% | 60.4% (stronger) |
| Uninsured deposits | 27.7% | 0.0% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Community Bank leads on 3 and Northwest Consumers Federal Credit Union on 3. 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.