Side-by-side · Q2 2026 data
First State Bank vs The Local Credit Union
Metric by metric
| Measure | First State Bank | The Local Credit Union |
|---|---|---|
| TellerScore | 63 | 92 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 73 | 91 (stronger) |
| Earnings | 69 | 74 (stronger) |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 88 | 99 (stronger) |
| Peer percentile | 30th | 97th |
| Total assets | $1.3B | $106.6M |
| Deposits / shares | $1.2B | $89.9M |
| Capital ratio | 10.01% | 16.07% (stronger) |
| Problem loans | 0.81% | 0.26% (stronger) |
| Net charge-offs | 0.13% (stronger) | 0.42% |
| Return on assets | 1.24% | 1.35% (stronger) |
| Loans ÷ deposits | 85.8% | 46.7% (stronger) |
| Uninsured deposits | 36.8% | 7.5% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | — |
The Local Credit Union has the higher TellerScore (92 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 1 and The Local Credit Union on 6. 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.