Side-by-side · Q2 2026 data
First Community Bank vs Traverse Catholic Federal Credit Union
Credit union
Traverse Catholic Federal Credit Union
Traverse City, Michigan · Under $100 million in assets
Metric by metric
| Measure | First Community Bank | Traverse Catholic Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 74 |
| Capital cushion | 49 | 54 (stronger) |
| Loan quality | 100 (stronger) | 72 |
| Earnings | 96 (stronger) | 82 |
| Funding & liquidity | 53 | 94 (stronger) |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 68th | 49th |
| Total assets | $413.6M | $92.2M |
| Deposits / shares | $358.3M | $82.6M |
| Capital ratio | 9.93% | 10.42% (stronger) |
| Problem loans | 0.00% (stronger) | 0.84% |
| Net charge-offs | 0.00% (stronger) | 0.32% |
| Return on assets | 1.91% (stronger) | 1.55% |
| Loans ÷ deposits | 93.6% | 66.0% (stronger) |
| Uninsured deposits | 27.7% | 3.8% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | — |
First Community Bank has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 4 and Traverse Catholic Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.