Side-by-side · Q2 2026 data
First State 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 State Bank | Arkansas Kraft Employees Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 83 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 99 (stronger) | 94 |
| Earnings | 45 (stronger) | 36 |
| Funding & liquidity | 55 | 83 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 47th | 72nd |
| Total assets | $665.4M | $4.4M |
| Deposits / shares | $547.0M | $3.1M |
| Capital ratio | 11.42% | 28.77% (stronger) |
| Problem loans | 0.04% (stronger) | 0.19% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.62% (stronger) | 0.39% |
| Loans ÷ deposits | 83.2% | 77.2% (stronger) |
| Uninsured deposits | 34.8% | 0.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | — |
Arkansas Kraft Employees Federal Credit Union has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Arkansas Kraft Employees Federal 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.