Side-by-side · Q2 2026 data
First Financial Bank vs St. James Parish Credit Union
Metric by metric
| Measure | First Financial Bank | St. James Parish Credit Union |
|---|---|---|
| TellerScore | 68 | 90 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 82 (stronger) | 72 |
| Funding & liquidity | 54 | 68 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 66th | 89th |
| Total assets | $22.4B | $5.9M |
| Deposits / shares | $17.8B | $4.4M |
| Capital ratio | 9.78% | 21.83% (stronger) |
| Problem loans | 0.70% | 0.00% (stronger) |
| Net charge-offs | 0.27% (stronger) | 0.66% |
| Return on assets | 1.56% (stronger) | 1.29% |
| Loans ÷ deposits | 76.3% (stronger) | 92.4% |
| Uninsured deposits | 41.9% | 0.0% (stronger) |
| Offices | 158 | 1 |
| CFPB complaints (3 yrs) | 59 | — |
| Complaints per $1B deposits | 3.3 | — |
| Mortgage denial rate (HMDA) | 24.9% | — |
St. James Parish Credit Union has the higher TellerScore (90 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Financial Bank leads on 3 and St. James Parish Credit Union on 4. 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.