Side-by-side · Q2 2026 data
First Security State Bank vs Waterloo Firemen'S Credit Union
Metric by metric
| Measure | First Security State Bank | Waterloo Firemen'S Credit Union |
|---|---|---|
| TellerScore | 58 | 90 (stronger) |
| Capital cushion | 99 (stronger) | 83 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 61 | 100 (stronger) |
| Funding & liquidity | 60 | 69 (stronger) |
| Problem-loan coverage | 70 | 100 (stronger) |
| Peer percentile | 17th | 89th |
| Total assets | $87.3M | $2.9M |
| Deposits / shares | $74.1M | $2.5M |
| Capital ratio | 14.90% (stronger) | 13.29% |
| Problem loans | 3.11% | 0.00% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.03% | 2.17% (stronger) |
| Loans ÷ deposits | 83.1% (stronger) | 91.0% |
| Uninsured deposits | 30.7% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waterloo Firemen'S Credit Union has the higher TellerScore (90 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First Security State Bank leads on 2 and Waterloo Firemen'S Credit Union on 5. 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.