Side-by-side · Q2 2026 data
First State Bank vs Dillard'S Federal Credit Union
Credit union
Dillard'S Federal Credit Union
Little Rock, Arkansas · Under $100 million in assets
Metric by metric
| Measure | First State Bank | Dillard'S Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 88 (stronger) |
| Capital cushion | 62 | 81 (stronger) |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 65 | 70 (stronger) |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 68th | 85th |
| Total assets | $328.1M | $24.8M |
| Deposits / shares | $292.6M | $21.6M |
| Capital ratio | 11.24% | 13.06% (stronger) |
| Problem loans | 0.00% (stronger) | 0.06% |
| Net charge-offs | -0.00% (stronger) | 0.20% |
| Return on assets | 1.12% | 1.25% (stronger) |
| Loans ÷ deposits | 80.9% | 39.0% (stronger) |
| Uninsured deposits | 25.5% | 11.2% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | — |
Dillard'S Federal Credit Union has the higher TellerScore (88 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Dillard'S 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.