Side-by-side · Q2 2026 data
First Community Bank vs Nce Credit Union
Metric by metric
| Measure | First Community Bank | Nce Credit Union |
|---|---|---|
| TellerScore | 74 | 85 (stronger) |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 78 | 100 (stronger) |
| Earnings | 68 (stronger) | 26 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 57th | 77th |
| Total assets | $662.8M | $5.9M |
| Deposits / shares | $582.2M | $4.7M |
| Capital ratio | 12.44% | 20.81% (stronger) |
| Problem loans | 0.67% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 1.33% |
| Return on assets | 1.20% (stronger) | 0.14% |
| Loans ÷ deposits | 76.9% | 52.0% (stronger) |
| Uninsured deposits | 32.5% | 6.6% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | — |
Nce Credit Union has the higher TellerScore (85 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 2 and Nce 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.