Side-by-side · Q2 2026 data
First Shore Federal Savings and Loan Association vs Bee Federal Credit Union
Bank
First Shore Federal Savings and Loan Association
Salisbury, Maryland · $100 million – $1 billion
Metric by metric
| Measure | First Shore Federal Savings and Loan Association | Bee Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 58 |
| Capital cushion | 100 | 100 |
| Loan quality | 73 (stronger) | 4 |
| Earnings | 51 (stronger) | 16 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 92 (stronger) | 91 |
| Peer percentile | 72nd | 19th |
| Total assets | $366.5M | $7.9M |
| Deposits / shares | $303.4M | $6.2M |
| Capital ratio | 17.39% | 21.59% (stronger) |
| Problem loans | 0.82% (stronger) | 2.88% |
| Net charge-offs | 0.00% (stronger) | 1.75% |
| Return on assets | 0.77% (stronger) | -0.10% |
| Loans ÷ deposits | 93.4% | 43.5% (stronger) |
| Uninsured deposits | 12.3% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Shore Federal Savings and Loan Association has the higher TellerScore (78 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First Shore Federal Savings and Loan Association leads on 4 and Bee Federal Credit Union on 3. 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.