Side-by-side · Q2 2026 data
First State Bank vs United Northwest Federal Credit Union
Credit union
United Northwest Federal Credit Union
Norton, Kansas · Under $100 million in assets
Metric by metric
| Measure | First State Bank | United Northwest Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 87 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 89 (stronger) | 88 |
| Earnings | 85 (stronger) | 50 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 75th | 83rd |
| Total assets | $199.5M | $54.5M |
| Deposits / shares | $121.3M | $45.5M |
| Capital ratio | 11.94% | 15.87% (stronger) |
| Problem loans | 0.33% (stronger) | 0.35% |
| Net charge-offs | 0.00% (stronger) | 0.12% |
| Return on assets | 1.63% (stronger) | 0.76% |
| Loans ÷ deposits | 79.9% | 47.0% (stronger) |
| Uninsured deposits | 29.9% | 4.7% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Northwest Federal Credit Union has the higher TellerScore (87 vs 79). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and United Northwest Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.