Side-by-side · Q2 2026 data
First National Bank vs Western Indiana Credit Union
Metric by metric
| Measure | First National Bank | Western Indiana Credit Union |
|---|---|---|
| TellerScore | 61 | 80 (stronger) |
| Capital cushion | 45 | 76 (stronger) |
| Loan quality | 77 | 95 (stronger) |
| Earnings | 37 | 53 (stronger) |
| Funding & liquidity | 79 | 86 (stronger) |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 20th | 65th |
| Total assets | $418.5M | $48.7M |
| Deposits / shares | $383.1M | $42.3M |
| Capital ratio | 9.50% | 12.56% (stronger) |
| Problem loans | 0.70% | 0.15% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 0.42% | 0.82% (stronger) |
| Loans ÷ deposits | 58.5% (stronger) | 74.5% |
| Uninsured deposits | 34.0% | 0.0% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Western Indiana Credit Union has the higher TellerScore (80 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 1 and Western Indiana Credit Union on 6. 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.