Side-by-side · Q2 2026 data
First Guaranty Bank vs District 62 Highway Federal Credit Union
Credit union
District 62 Highway Federal Credit Union
Hammond, Louisiana · Under $100 million in assets
Metric by metric
| Measure | First Guaranty Bank | District 62 Highway Federal Credit Union |
|---|---|---|
| TellerScore | 38 | 89 (stronger) |
| Capital cushion | 21 | 100 (stronger) |
| Loan quality | 23 | 100 (stronger) |
| Earnings | 35 | 46 (stronger) |
| Funding & liquidity | 89 | 98 (stronger) |
| Problem-loan coverage | 52 | 100 (stronger) |
| Peer percentile | 1st | 87th |
| Total assets | $3.9B | $6.6M |
| Deposits / shares | $3.5B | $5.6M |
| Capital ratio | 7.09% | 15.45% (stronger) |
| Problem loans | 2.30% | 0.00% (stronger) |
| Net charge-offs | 1.22% | 0.00% (stronger) |
| Return on assets | 0.39% | 0.65% (stronger) |
| Loans ÷ deposits | 50.0% (stronger) | 62.7% |
| Uninsured deposits | 25.3% | 0.0% (stronger) |
| Offices | 25 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | — |
District 62 Highway Federal Credit Union has the higher TellerScore (89 vs 38). On the 7 directional measures above (where higher or lower is clearly better), First Guaranty Bank leads on 1 and District 62 Highway Federal Credit Union on 6. 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.