Side-by-side · Q2 2026 data
First Farmers & Commercial Bank vs Ornl Federal Credit Union
Metric by metric
| Measure | First Farmers & Commercial Bank | Ornl Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 69 |
| Capital cushion | 49 | 60 (stronger) |
| Loan quality | 98 (stronger) | 79 |
| Earnings | 53 | 66 (stronger) |
| Funding & liquidity | 77 (stronger) | 61 |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 47th | 54th |
| Total assets | $226.4M | $5.0B |
| Deposits / shares | $202.8M | $4.0B |
| Capital ratio | 9.86% | 11.01% (stronger) |
| Problem loans | 0.07% (stronger) | 0.62% |
| Net charge-offs | -0.00% (stronger) | 0.73% |
| Return on assets | 0.82% | 1.15% (stronger) |
| Loans ÷ deposits | 80.3% (stronger) | 98.8% |
| Uninsured deposits | 17.4% | 9.7% (stronger) |
| Offices | 4 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Farmers & Commercial Bank has the higher TellerScore (71 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Commercial Bank leads on 4 and Ornl 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.