Side-by-side · Q2 2026 data
First National Bank of Louisiana vs James Ward, Jr. Federal Credit Union
Credit union
James Ward, Jr. Federal Credit Union
Jennings, Louisiana · Under $100 million in assets
Metric by metric
| Measure | First National Bank of Louisiana | James Ward, Jr. Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 62 |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 84 (stronger) | 68 |
| Funding & liquidity | 53 | 70 (stronger) |
| Problem-loan coverage | 100 (stronger) | 82 |
| Peer percentile | 72nd | 24th |
| Total assets | $631.1M | $1.9M |
| Deposits / shares | $556.5M | $1.2M |
| Capital ratio | 11.02% | 34.13% (stronger) |
| Problem loans | 0.00% (stronger) | 5.33% |
| Net charge-offs | 0.00% (stronger) | 1.38% |
| Return on assets | 1.60% (stronger) | 1.19% |
| Loans ÷ deposits | 82.0% (stronger) | 90.7% |
| Uninsured deposits | 37.9% | 0.0% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | — |
First National Bank of Louisiana has the higher TellerScore (78 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Louisiana leads on 5 and James Ward, Jr. Federal Credit Union on 2. 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.