Side-by-side · Q2 2026 data
First State Bank vs City Credit Union
Metric by metric
| Measure | First State Bank | City Credit Union |
|---|---|---|
| TellerScore | 61 | 73 (stronger) |
| Capital cushion | 46 | 73 (stronger) |
| Loan quality | 69 (stronger) | 59 |
| Earnings | 52 | 64 (stronger) |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 86 | 89 (stronger) |
| Peer percentile | 24th | 60th |
| Total assets | $1.9B | $629.8M |
| Deposits / shares | $1.7B | $545.2M |
| Capital ratio | 9.61% | 12.27% (stronger) |
| Problem loans | 0.94% (stronger) | 1.23% |
| Net charge-offs | 0.40% (stronger) | 1.27% |
| Return on assets | 0.80% | 1.09% (stronger) |
| Loans ÷ deposits | 56.8% | 56.2% (stronger) |
| Uninsured deposits | 41.4% | 7.4% (stronger) |
| Offices | 14 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
City Credit Union has the higher TellerScore (73 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and City Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.