Side-by-side · Q2 2026 data
First State Bank vs Fairmont School Employees Federal Credit Union
Credit union
Fairmont School Employees Federal Credit Union
Fairmont, Minnesota · Under $100 million in assets
Metric by metric
| Measure | First State Bank | Fairmont School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 62 |
| Capital cushion | 74 (stronger) | 54 |
| Loan quality | 96 (stronger) | 67 |
| Earnings | 75 (stronger) | 44 |
| Funding & liquidity | 65 | 75 (stronger) |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 80th | 24th |
| Total assets | $674.3M | $4.3M |
| Deposits / shares | $572.2M | $3.8M |
| Capital ratio | 12.40% (stronger) | 10.45% |
| Problem loans | 0.12% (stronger) | 0.98% |
| Net charge-offs | 0.00% (stronger) | 0.77% |
| Return on assets | 1.38% (stronger) | 0.61% |
| Loans ÷ deposits | 86.5% | 85.6% (stronger) |
| Uninsured deposits | 22.4% | 0.0% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (81 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and Fairmont School Employees Federal Credit Union on 2. 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.