Side-by-side · Q2 2026 data
First Independent Bank vs Telcomm Credit Union
Metric by metric
| Measure | First Independent Bank | Telcomm Credit Union |
|---|---|---|
| TellerScore | 74 | 77 (stronger) |
| Capital cushion | 66 | 82 (stronger) |
| Loan quality | 67 | 92 (stronger) |
| Earnings | 70 (stronger) | 41 |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 57th | 71st |
| Total assets | $147.6M | $337.9M |
| Deposits / shares | $131.4M | $286.3M |
| Capital ratio | 11.63% | 13.18% (stronger) |
| Problem loans | 1.00% | 0.25% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.55% |
| Return on assets | 1.24% (stronger) | 0.54% |
| Loans ÷ deposits | 55.5% (stronger) | 85.6% |
| Uninsured deposits | 5.8% | 2.2% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.8% |
Telcomm Credit Union has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Independent Bank leads on 3 and Telcomm Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.