Side-by-side · Q2 2026 data
First National Bank vs East River Federal Credit Union
Credit union
East River Federal Credit Union
Madison, South Dakota · Under $100 million in assets
Metric by metric
| Measure | First National Bank | East River Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 33 | 60 (stronger) |
| Earnings | 100 (stronger) | 66 |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 85 | 92 (stronger) |
| Peer percentile | 68th | 42nd |
| Total assets | $477.8M | $41.9M |
| Deposits / shares | $380.1M | $37.1M |
| Capital ratio | 18.41% (stronger) | 11.12% |
| Problem loans | 2.01% | 1.19% (stronger) |
| Net charge-offs | 4.62% | 0.48% (stronger) |
| Return on assets | 2.18% (stronger) | 1.16% |
| Loans ÷ deposits | 90.6% | 42.6% (stronger) |
| Uninsured deposits | 16.2% | 0.8% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | — |
First National Bank has the higher TellerScore (77 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 3 and East River 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.