Side-by-side · Q2 2026 data
First State Bank vs University Federal Credit Union
Credit union
University Federal Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Metric by metric
| Measure | First State Bank | University Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 91 (stronger) |
| Capital cushion | 48 | 94 (stronger) |
| Loan quality | 100 (stronger) | 76 |
| Earnings | 100 | 100 |
| Funding & liquidity | 40 | 94 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 61st | 90th |
| Total assets | $424.2M | $46.1M |
| Deposits / shares | $371.9M | $39.3M |
| Capital ratio | 9.83% | 14.44% (stronger) |
| Problem loans | 0.00% (stronger) | 0.72% |
| Net charge-offs | 0.14% (stronger) | 0.38% |
| Return on assets | 2.08% | 2.14% (stronger) |
| Loans ÷ deposits | 104.4% | 66.0% (stronger) |
| Uninsured deposits | 28.8% | 5.8% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
University Federal Credit Union has the higher TellerScore (91 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and University 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.