Side-by-side · Q2 2026 data
First National Bank Colorado vs School District 3 Federal Credit Union
Credit union
School District 3 Federal Credit Union
Colorado Spring, Colorado · Under $100 million in assets
Metric by metric
| Measure | First National Bank Colorado | School District 3 Federal Credit Union |
|---|---|---|
| TellerScore | 85 | 91 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 100 (stronger) | 54 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 88th | 90th |
| Total assets | $634.3M | $36.0M |
| Deposits / shares | $532.4M | $30.2M |
| Capital ratio | 11.76% | 15.70% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 2.08% (stronger) | 0.84% |
| Loans ÷ deposits | 77.3% | 55.0% (stronger) |
| Uninsured deposits | 32.6% | 3.3% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | — |
School District 3 Federal Credit Union has the higher TellerScore (91 vs 85). On the 6 directional measures above (where higher or lower is clearly better), First National Bank Colorado leads on 1 and School District 3 Federal Credit Union on 5. 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.