Side-by-side · Q2 2026 data
First State Bank vs Natural State Federal Credit Union
Credit union
Natural State Federal Credit Union
Searcy, Arkansas · Under $100 million in assets
Metric by metric
| Measure | First State Bank | Natural State Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 86 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 65 (stronger) | 62 |
| Funding & liquidity | 68 | 78 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 68th | 80th |
| Total assets | $328.1M | $8.8M |
| Deposits / shares | $292.6M | $7.1M |
| Capital ratio | 11.24% | 17.40% (stronger) |
| Problem loans | 0.00% (stronger) | 0.36% |
| Net charge-offs | -0.00% | -0.02% (stronger) |
| Return on assets | 1.12% (stronger) | 1.04% |
| Loans ÷ deposits | 80.9% (stronger) | 82.3% |
| Uninsured deposits | 25.5% | 0.4% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | — |
Natural State Federal Credit Union has the higher TellerScore (86 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and Natural State Federal Credit Union on 4. 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.