Side-by-side · Q2 2026 data
First State Bank vs Ottawa Hiway Credit Union
Metric by metric
| Measure | First State Bank | Ottawa Hiway Credit Union |
|---|---|---|
| TellerScore | 69 | 100 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 67 | 100 (stronger) |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 53rd | 100th |
| Total assets | $1.6B | $16.3M |
| Deposits / shares | $1.3B | $13.5M |
| Capital ratio | 10.93% | 16.69% (stronger) |
| Problem loans | 0.47% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 1.16% | 2.12% (stronger) |
| Loans ÷ deposits | 98.1% | 52.9% (stronger) |
| Uninsured deposits | 26.8% | 11.5% (stronger) |
| Offices | 18 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.3% | — |
Ottawa Hiway Credit Union has the higher TellerScore (100 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 1 and Ottawa Hiway Credit Union on 6. 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.