Side-by-side · Q2 2026 data
First Service Bank vs Arkansas Kraft Employees Federal Credit Union
Credit union
Arkansas Kraft Employees Federal Credit Union
Morrilton, Arkansas · Under $100 million in assets
Metric by metric
| Measure | First Service Bank | Arkansas Kraft Employees Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 83 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 83 | 94 (stronger) |
| Earnings | 55 (stronger) | 36 |
| Funding & liquidity | 39 | 83 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 19th | 72nd |
| Total assets | $1.0B | $4.4M |
| Deposits / shares | $919.2M | $3.1M |
| Capital ratio | 9.06% | 28.77% (stronger) |
| Problem loans | 0.50% | 0.19% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.87% (stronger) | 0.39% |
| Loans ÷ deposits | 95.4% | 77.2% (stronger) |
| Uninsured deposits | 38.5% | 0.0% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.0% | — |
Arkansas Kraft Employees Federal Credit Union has the higher TellerScore (83 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First Service Bank leads on 1 and Arkansas Kraft Employees Federal 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.