Side-by-side · Q2 2026 data
First National Bank and Trust vs United Northwest Federal Credit Union
Credit union
United Northwest Federal Credit Union
Norton, Kansas · Under $100 million in assets
Metric by metric
| Measure | First National Bank and Trust | United Northwest Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 87 (stronger) |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 38 | 88 (stronger) |
| Earnings | 75 (stronger) | 50 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 50th | 83rd |
| Total assets | $322.2M | $54.5M |
| Deposits / shares | $259.5M | $45.5M |
| Capital ratio | 14.73% | 15.87% (stronger) |
| Problem loans | 1.87% | 0.35% (stronger) |
| Net charge-offs | 0.40% | 0.12% (stronger) |
| Return on assets | 1.37% (stronger) | 0.76% |
| Loans ÷ deposits | 85.5% | 47.0% (stronger) |
| Uninsured deposits | 24.5% | 4.7% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Northwest Federal Credit Union has the higher TellerScore (87 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First National Bank and Trust leads on 1 and United Northwest 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.