Side-by-side · Q2 2026 data
First Independent Bank vs Foundation Credit Union
Metric by metric
| Measure | First Independent Bank | Foundation Credit Union |
|---|---|---|
| TellerScore | 74 | 79 (stronger) |
| Capital cushion | 66 | 93 (stronger) |
| Loan quality | 67 | 89 (stronger) |
| Earnings | 70 (stronger) | 43 |
| Funding & liquidity | 100 (stronger) | 70 |
| Problem-loan coverage | 88 | 97 (stronger) |
| Peer percentile | 57th | 62nd |
| Total assets | $147.6M | $76.6M |
| Deposits / shares | $131.4M | $64.5M |
| Capital ratio | 11.63% | 14.31% (stronger) |
| Problem loans | 1.00% | 0.33% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.27% |
| Return on assets | 1.24% (stronger) | 0.59% |
| Loans ÷ deposits | 55.5% (stronger) | 89.8% |
| Uninsured deposits | 5.8% (stronger) | 7.8% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Foundation Credit Union has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Independent Bank leads on 4 and Foundation Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.