Side-by-side · Q2 2026 data
First National Bank USA vs Xplore Federal Credit Union
Metric by metric
| Measure | First National Bank USA | Xplore Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 67 |
| Capital cushion | 91 (stronger) | 70 |
| Loan quality | 99 (stronger) | 87 |
| Earnings | 86 (stronger) | 23 |
| Funding & liquidity | 62 | 71 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 94th | 41st |
| Total assets | $249.1M | $147.1M |
| Deposits / shares | $213.1M | $117.7M |
| Capital ratio | 14.06% (stronger) | 11.99% |
| Problem loans | 0.03% (stronger) | 0.38% |
| Net charge-offs | 0.02% (stronger) | 0.29% |
| Return on assets | 1.65% (stronger) | 0.08% |
| Loans ÷ deposits | 52.6% (stronger) | 89.0% |
| Uninsured deposits | 49.9% | 4.7% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | 21.1% |
First National Bank USA has the higher TellerScore (89 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First National Bank USA leads on 6 and Xplore Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.