Side-by-side · Q2 2026 data
First National Bank USA vs Epic Federal Credit Union
Metric by metric
| Measure | First National Bank USA | Epic Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 60 |
| Capital cushion | 91 | 96 (stronger) |
| Loan quality | 99 (stronger) | 30 |
| Earnings | 86 (stronger) | 33 |
| Funding & liquidity | 62 | 64 (stronger) |
| Problem-loan coverage | 100 (stronger) | 72 |
| Peer percentile | 94th | 21st |
| Total assets | $249.1M | $164.5M |
| Deposits / shares | $213.1M | $138.1M |
| Capital ratio | 14.06% | 14.60% (stronger) |
| Problem loans | 0.03% (stronger) | 2.10% |
| Net charge-offs | 0.02% (stronger) | 0.83% |
| Return on assets | 1.65% (stronger) | 0.33% |
| Loans ÷ deposits | 52.6% (stronger) | 95.8% |
| Uninsured deposits | 49.9% | 2.6% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
First National Bank USA has the higher TellerScore (89 vs 60). On the 7 directional measures above (where higher or lower is clearly better), First National Bank USA leads on 5 and Epic Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.