Side-by-side · Q2 2026 data
First Federal Bank vs Ascend Federal Credit Union
Metric by metric
| Measure | First Federal Bank | Ascend Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 83 (stronger) |
| Capital cushion | 55 | 96 (stronger) |
| Loan quality | 83 | 84 (stronger) |
| Earnings | 84 (stronger) | 68 |
| Funding & liquidity | 53 | 70 (stronger) |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 63rd | 92nd |
| Total assets | $1.1B | $4.8B |
| Deposits / shares | $978.6M | $3.9B |
| Capital ratio | 10.48% | 14.55% (stronger) |
| Problem loans | 0.52% | 0.49% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.44% |
| Return on assets | 1.61% (stronger) | 1.20% |
| Loans ÷ deposits | 68.8% (stronger) | 90.5% |
| Uninsured deposits | 49.5% | 10.1% (stronger) |
| Offices | 17 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | 22.1% |
Ascend Federal Credit Union has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Federal Bank leads on 3 and Ascend Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.