Side-by-side · Q2 2026 data
First National Bank USA vs River Region Federal Credit Union
Credit union
River Region Federal Credit Union
Lutcher, Louisiana · Under $100 million in assets
Metric by metric
| Measure | First National Bank USA | River Region Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 68 |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 99 (stronger) | 21 |
| Earnings | 86 (stronger) | 39 |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 94th | 36th |
| Total assets | $249.1M | $42.0M |
| Deposits / shares | $213.1M | $33.7M |
| Capital ratio | 14.06% | 19.63% (stronger) |
| Problem loans | 0.03% (stronger) | 2.38% |
| Net charge-offs | 0.02% (stronger) | 0.04% |
| Return on assets | 1.65% (stronger) | 0.47% |
| Loans ÷ deposits | 52.6% | 26.9% (stronger) |
| Uninsured deposits | 49.9% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
First National Bank USA has the higher TellerScore (89 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First National Bank USA leads on 4 and River Region 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.