Side-by-side · Q2 2026 data
First National Bank vs Beacon Credit Union, Incorporated
Metric by metric
| Measure | First National Bank | Beacon Credit Union, Incorporated |
|---|---|---|
| TellerScore | 73 | 74 (stronger) |
| Capital cushion | 38 | 66 (stronger) |
| Loan quality | 94 (stronger) | 92 |
| Earnings | 90 (stronger) | 63 |
| Funding & liquidity | 70 (stronger) | 60 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 70th | 63rd |
| Total assets | $1.1B | $391.6M |
| Deposits / shares | $1.0B | $342.0M |
| Capital ratio | 8.84% | 11.60% (stronger) |
| Problem loans | 0.19% (stronger) | 0.24% |
| Net charge-offs | 0.07% (stronger) | 0.29% |
| Return on assets | 1.76% (stronger) | 1.08% |
| Loans ÷ deposits | 71.3% (stronger) | 99.8% |
| Uninsured deposits | 32.3% | 2.5% (stronger) |
| Offices | 19 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | — |
Beacon Credit Union, Incorporated has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 4 and Beacon Credit Union, Incorporated on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.