Side-by-side · Q2 2026 data
First National Bank vs Meridian Trust Federal Credit Union
Metric by metric
| Measure | First National Bank | Meridian Trust Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 77 (stronger) | 73 |
| Earnings | 100 (stronger) | 58 |
| Funding & liquidity | 31 | 76 (stronger) |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 95th | 63rd |
| Total assets | $2.0B | $730.5M |
| Deposits / shares | $1.5B | $627.7M |
| Capital ratio | 21.88% (stronger) | 12.92% |
| Problem loans | 0.69% (stronger) | 0.82% |
| Net charge-offs | 3.49% | 0.29% (stronger) |
| Return on assets | 2.50% (stronger) | 0.95% |
| Loans ÷ deposits | 98.9% | 84.6% (stronger) |
| Uninsured deposits | 42.4% | 5.5% (stronger) |
| Offices | 18 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.4% | 22.8% |
First National Bank has the higher TellerScore (84 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 4 and Meridian Trust Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.