Side-by-side · Q2 2026 data
First State Bank and Trust vs Carpenters Federal Credit Union
Credit union
Carpenters Federal Credit Union
Saint Paul, Minnesota · Under $100 million in assets
Metric by metric
| Measure | First State Bank and Trust | Carpenters Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 86 (stronger) |
| Capital cushion | 39 | 100 (stronger) |
| Loan quality | 99 (stronger) | 66 |
| Earnings | 91 (stronger) | 74 |
| Funding & liquidity | 56 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 53rd | 80th |
| Total assets | $499.0M | $44.3M |
| Deposits / shares | $455.4M | $37.6M |
| Capital ratio | 8.91% | 16.03% (stronger) |
| Problem loans | 0.03% (stronger) | 1.01% |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 1.77% (stronger) | 1.35% |
| Loans ÷ deposits | 71.6% | 50.7% (stronger) |
| Uninsured deposits | 44.3% | 2.6% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | — |
Carpenters Federal Credit Union has the higher TellerScore (86 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First State Bank and Trust leads on 3 and Carpenters Federal Credit Union on 4. 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.