Side-by-side · Q2 2026 data
First National Bank vs First Alliance Credit Union
Metric by metric
| Measure | First National Bank | First Alliance Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 33 | 60 (stronger) |
| Earnings | 100 (stronger) | 91 |
| Funding & liquidity | 68 | 73 (stronger) |
| Problem-loan coverage | 85 (stronger) | 82 |
| Peer percentile | 68th | 41st |
| Total assets | $477.8M | $358.5M |
| Deposits / shares | $380.1M | $296.0M |
| Capital ratio | 18.41% (stronger) | 9.95% |
| Problem loans | 2.01% | 1.19% (stronger) |
| Net charge-offs | 4.62% | 0.53% (stronger) |
| Return on assets | 2.18% (stronger) | 1.77% |
| Loans ÷ deposits | 90.6% | 87.3% (stronger) |
| Uninsured deposits | 16.2% | 4.5% (stronger) |
| Offices | 13 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | 43.6% |
First National Bank has the higher TellerScore (77 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 3 and First Alliance Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.