Side-by-side · Q2 2026 data
First National Bank USA vs Riverland Federal Credit Union
Metric by metric
| Measure | First National Bank USA | Riverland Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 78 |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 99 (stronger) | 82 |
| Earnings | 86 (stronger) | 48 |
| Funding & liquidity | 62 (stronger) | 57 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 94th | 74th |
| Total assets | $249.1M | $319.7M |
| Deposits / shares | $213.1M | $248.1M |
| Capital ratio | 14.06% | 15.84% (stronger) |
| Problem loans | 0.03% (stronger) | 0.55% |
| Net charge-offs | 0.02% (stronger) | 0.66% |
| Return on assets | 1.65% (stronger) | 0.70% |
| Loans ÷ deposits | 52.6% (stronger) | 103.0% |
| Uninsured deposits | 49.9% | 6.0% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | 20.7% |
First National Bank USA has the higher TellerScore (89 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First National Bank USA leads on 5 and Riverland Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.