Side-by-side · Q2 2026 data
First National Bank Colorado vs Air Academy Federal Credit Union
Credit union
Air Academy Federal Credit Union
Colorado Spring, Colorado · $100 million – $1 billion
Metric by metric
| Measure | First National Bank Colorado | Air Academy Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 59 |
| Capital cushion | 68 (stronger) | 35 |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 100 (stronger) | 35 |
| Funding & liquidity | 63 | 70 (stronger) |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 88th | 19th |
| Total assets | $634.3M | $810.4M |
| Deposits / shares | $532.4M | $720.0M |
| Capital ratio | 11.76% (stronger) | 8.49% |
| Problem loans | 0.00% (stronger) | 0.41% |
| Net charge-offs | 0.01% (stronger) | 0.59% |
| Return on assets | 2.08% (stronger) | 0.36% |
| Loans ÷ deposits | 77.3% (stronger) | 89.9% |
| Uninsured deposits | 32.6% | 3.9% (stronger) |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | 9.0% |
First National Bank Colorado has the higher TellerScore (85 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First National Bank Colorado leads on 6 and Air Academy Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Colorado Springs, CO
- Monument, CO