Side-by-side · Q2 2026 data
First National Bank USA vs Total Choice Federal Credit Union
Credit union
Total Choice Federal Credit Union
Hahnville, Louisiana · Under $100 million in assets
Metric by metric
| Measure | First National Bank USA | Total Choice Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 61 |
| Capital cushion | 91 (stronger) | 25 |
| Loan quality | 99 (stronger) | 93 |
| Earnings | 86 (stronger) | 26 |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 94th | 23rd |
| Total assets | $249.1M | $54.3M |
| Deposits / shares | $213.1M | $50.1M |
| Capital ratio | 14.06% (stronger) | 7.54% |
| Problem loans | 0.03% (stronger) | 0.20% |
| Net charge-offs | 0.02% (stronger) | 0.24% |
| Return on assets | 1.65% (stronger) | 0.16% |
| Loans ÷ deposits | 52.6% | 37.5% (stronger) |
| Uninsured deposits | 49.9% | 2.1% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
First National Bank USA has the higher TellerScore (89 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First National Bank USA leads on 5 and Total Choice Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Boutte, LA
- La Place, LA