Side-by-side · Q2 2026 data
First National Bank of Waterloo vs Co - Lib Credit Union
Metric by metric
| Measure | First National Bank of Waterloo | Co - Lib Credit Union |
|---|---|---|
| TellerScore | 60 | 91 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 56 | 73 (stronger) |
| Earnings | 58 | 100 (stronger) |
| Funding & liquidity | 91 (stronger) | 90 |
| Problem-loan coverage | 85 | 94 (stronger) |
| Peer percentile | 19th | 90th |
| Total assets | $929.3M | $1.4M |
| Deposits / shares | $779.6M | $1.2M |
| Capital ratio | 9.21% | 15.46% (stronger) |
| Problem loans | 1.33% | 0.82% (stronger) |
| Net charge-offs | 0.03% | -0.22% (stronger) |
| Return on assets | 0.96% | 4.01% (stronger) |
| Loans ÷ deposits | 69.3% (stronger) | 70.1% |
| Uninsured deposits | 14.0% | 0.0% (stronger) |
| Offices | 16 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.7% | — |
Co - Lib Credit Union has the higher TellerScore (91 vs 60). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Waterloo leads on 1 and Co - Lib Credit Union on 6. 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.