Side-by-side · Q2 2026 data
First National Bank Texas vs Mohave Community Federal Credit Union
Credit union
Mohave Community Federal Credit Union
Kingman, Arizona · Under $100 million in assets
Metric by metric
| Measure | First National Bank Texas | Mohave Community Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 69 (stronger) |
| Capital cushion | 41 | 80 (stronger) |
| Loan quality | 59 (stronger) | 40 |
| Earnings | 69 (stronger) | 57 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 83 | 83 |
| Peer percentile | 33rd | 38th |
| Total assets | $4.6B | $61.4M |
| Deposits / shares | $4.1B | $53.9M |
| Capital ratio | 9.12% | 12.95% (stronger) |
| Problem loans | 1.23% (stronger) | 1.81% |
| Net charge-offs | 0.84% (stronger) | 1.80% |
| Return on assets | 1.21% (stronger) | 0.92% |
| Loans ÷ deposits | 55.1% (stronger) | 57.1% |
| Uninsured deposits | 8.5% | 6.7% (stronger) |
| Offices | 355 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Mohave Community Federal Credit Union has the higher TellerScore (69 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First National Bank Texas leads on 4 and Mohave Community Federal Credit Union on 3. 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.