Side-by-side · Q2 2026 data
First National Bank vs Kemba Roanoke Federal Credit Union
Metric by metric
| Measure | First National Bank | Kemba Roanoke Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 82 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 94 (stronger) | 75 |
| Earnings | 90 (stronger) | 44 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 70th | 70th |
| Total assets | $1.1B | $76.7M |
| Deposits / shares | $1.0B | $65.0M |
| Capital ratio | 8.84% | 16.37% (stronger) |
| Problem loans | 0.19% (stronger) | 0.74% |
| Net charge-offs | 0.07% (stronger) | 0.78% |
| Return on assets | 1.76% (stronger) | 0.60% |
| Loans ÷ deposits | 71.3% | 36.5% (stronger) |
| Uninsured deposits | 32.3% | 2.2% (stronger) |
| Offices | 19 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | — |
Kemba Roanoke Federal Credit Union has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 3 and Kemba Roanoke 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.