Side-by-side · Q2 2026 data
First National Bank vs Northeast Mississippi Federal Credit Union
Credit union
Northeast Mississippi Federal Credit Union
Amory, Mississippi · Under $100 million in assets
Metric by metric
| Measure | First National Bank | Northeast Mississippi Federal Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 56 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 0 |
| Earnings | 100 (stronger) | 63 |
| Funding & liquidity | 93 (stronger) | 60 |
| Problem-loan coverage | 99 (stronger) | 45 |
| Peer percentile | 100th | 16th |
| Total assets | $372.7M | $6.8M |
| Deposits / shares | $305.5M | $5.8M |
| Capital ratio | 18.99% (stronger) | 15.00% |
| Problem loans | 0.25% (stronger) | 5.21% |
| Net charge-offs | 0.30% (stronger) | 1.09% |
| Return on assets | 2.51% (stronger) | 1.07% |
| Loans ÷ deposits | 47.4% (stronger) | 100.3% |
| Uninsured deposits | 21.9% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank has the higher TellerScore (97 vs 56). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 6 and Northeast Mississippi Federal Credit Union on 1. 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.