Side-by-side · Q2 2026 data
First National Community Bank vs Coosa Valley Credit Union
Metric by metric
| Measure | First National Community Bank | Coosa Valley Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 65 |
| Capital cushion | 79 (stronger) | 45 |
| Loan quality | 86 (stronger) | 80 |
| Earnings | 96 (stronger) | 63 |
| Funding & liquidity | 64 | 71 (stronger) |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 86th | 34th |
| Total assets | $754.7M | $765.9M |
| Deposits / shares | $653.2M | $678.1M |
| Capital ratio | 12.92% (stronger) | 9.53% |
| Problem loans | 0.43% (stronger) | 0.61% |
| Net charge-offs | -0.01% (stronger) | 0.52% |
| Return on assets | 1.90% (stronger) | 1.08% |
| Loans ÷ deposits | 81.6% (stronger) | 89.4% |
| Uninsured deposits | 28.2% | 5.7% (stronger) |
| Offices | 10 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | 0.0% |
First National Community Bank has the higher TellerScore (84 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First National Community Bank leads on 6 and Coosa Valley Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.