Side-by-side · Q2 2026 data
First Financial Bank in Winnebago vs Fairmont School Employees Federal Credit Union
Credit union
Fairmont School Employees Federal Credit Union
Fairmont, Minnesota · Under $100 million in assets
Metric by metric
| Measure | First Financial Bank in Winnebago | Fairmont School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 62 |
| Capital cushion | 88 (stronger) | 54 |
| Loan quality | 78 (stronger) | 67 |
| Earnings | 71 (stronger) | 44 |
| Funding & liquidity | 88 (stronger) | 75 |
| Problem-loan coverage | 91 (stronger) | 87 |
| Peer percentile | 70th | 24th |
| Total assets | $58.1M | $4.3M |
| Deposits / shares | $47.7M | $3.8M |
| Capital ratio | 13.81% (stronger) | 10.45% |
| Problem loans | 0.66% (stronger) | 0.98% |
| Net charge-offs | 0.00% (stronger) | 0.77% |
| Return on assets | 1.27% (stronger) | 0.61% |
| Loans ÷ deposits | 72.5% (stronger) | 85.6% |
| Uninsured deposits | 10.0% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Financial Bank in Winnebago has the higher TellerScore (82 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First Financial Bank in Winnebago leads on 6 and Fairmont School Employees Federal Credit Union on 1. 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.