Side-by-side · Q2 2026 data
First Credit Bank vs Mega Bank
Metric by metric
| Measure | First Credit Bank | Mega Bank |
|---|---|---|
| TellerScore | 64 | 68 (stronger) |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 0 | 46 (stronger) |
| Earnings | 100 (stronger) | 66 |
| Funding & liquidity | 35 | 46 (stronger) |
| Problem-loan coverage | 89 (stronger) | 82 |
| Peer percentile | 26th | 37th |
| Total assets | $515.8M | $506.7M |
| Deposits / shares | $265.3M | $426.1M |
| Capital ratio | 47.61% (stronger) | 14.43% |
| Problem loans | 3.33% | 1.61% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 4.37% (stronger) | 1.15% |
| Loans ÷ deposits | 150.3% | 100.3% (stronger) |
| Uninsured deposits | 28.6% | 27.3% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mega Bank has the higher TellerScore (68 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First Credit Bank leads on 3 and Mega Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.