Side-by-side · Q2 2026 data
First Security Bank and Trust Company vs Family Community Credit Union
Metric by metric
| Measure | First Security Bank and Trust Company | Family Community Credit Union |
|---|---|---|
| TellerScore | 68 | 82 (stronger) |
| Capital cushion | 50 | 71 (stronger) |
| Loan quality | 91 | 97 (stronger) |
| Earnings | 42 | 55 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 37th | 70th |
| Total assets | $538.2M | $26.3M |
| Deposits / shares | $469.0M | $23.0M |
| Capital ratio | 10.03% | 12.10% (stronger) |
| Problem loans | 0.27% | 0.08% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 0.56% | 0.88% (stronger) |
| Loans ÷ deposits | 73.1% | 38.7% (stronger) |
| Uninsured deposits | 21.7% | 6.5% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Family Community Credit Union has the higher TellerScore (82 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Security Bank and Trust Company leads on 1 and Family Community Credit Union on 6. 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.
Where both have branches
- Charles City, IA