Side-by-side · Q2 2026 data
First State Bank vs Telcoe Federal Credit Union
Metric by metric
| Measure | First State Bank | Telcoe Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 89 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 99 (stronger) | 96 |
| Earnings | 45 | 52 (stronger) |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 47th | 94th |
| Total assets | $665.4M | $503.4M |
| Deposits / shares | $547.0M | $423.1M |
| Capital ratio | 11.42% | 20.21% (stronger) |
| Problem loans | 0.04% (stronger) | 0.12% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 0.62% | 0.80% (stronger) |
| Loans ÷ deposits | 83.2% | 37.0% (stronger) |
| Uninsured deposits | 34.8% | 13.5% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | 4.2% |
Telcoe Federal Credit Union has the higher TellerScore (89 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Telcoe Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.