Side-by-side · Q2 2026 data
First National Bank vs First Education Federal Credit Union
Credit union
First Education Federal Credit Union
Cheyenne, Wyoming · Under $100 million in assets
Metric by metric
| Measure | First National Bank | First Education Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 77 | 93 (stronger) |
| Earnings | 100 (stronger) | 66 |
| Funding & liquidity | 31 | 100 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 95th | 57th |
| Total assets | $2.0B | $87.2M |
| Deposits / shares | $1.5B | $77.7M |
| Capital ratio | 21.88% (stronger) | 10.34% |
| Problem loans | 0.69% | 0.20% (stronger) |
| Net charge-offs | 3.49% | 0.02% (stronger) |
| Return on assets | 2.50% (stronger) | 1.14% |
| Loans ÷ deposits | 98.9% | 43.0% (stronger) |
| Uninsured deposits | 42.4% | 3.9% (stronger) |
| Offices | 18 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.4% | 2.2% |
First National Bank has the higher TellerScore (84 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 3 and First Education Federal Credit Union on 4. 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.