Side-by-side · Q2 2026 data
First Federal Savings Bank of Lincolnton vs Members Credit Union
Bank
First Federal Savings Bank of Lincolnton
Lincolnton, North Carolina · $100 million – $1 billion
Credit union
Members Credit Union
Winston Salem, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | First Federal Savings Bank of Lincolnton | Members Credit Union |
|---|---|---|
| TellerScore | 79 | 85 (stronger) |
| Capital cushion | 100 (stronger) | 98 |
| Loan quality | 85 (stronger) | 73 |
| Earnings | 41 | 62 (stronger) |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 75th | 87th |
| Total assets | $485.8M | $477.1M |
| Deposits / shares | $390.3M | $404.2M |
| Capital ratio | 17.61% (stronger) | 14.83% |
| Problem loans | 0.46% (stronger) | 0.82% |
| Net charge-offs | 0.04% (stronger) | 1.39% |
| Return on assets | 0.53% | 1.06% (stronger) |
| Loans ÷ deposits | 89.8% | 46.5% (stronger) |
| Uninsured deposits | 16.1% | 3.3% (stronger) |
| Offices | 4 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | — |
Members Credit Union has the higher TellerScore (85 vs 79). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings Bank of Lincolnton leads on 3 and Members Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.