Side-by-side · Q2 2026 data
First State Bank vs Monroe County Teachers Federal Credit Union
Credit union
Monroe County Teachers Federal Credit Union
Key West, Florida · Under $100 million in assets
Metric by metric
| Measure | First State Bank | Monroe County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 38 |
| Capital cushion | 53 (stronger) | 44 |
| Loan quality | 95 (stronger) | 30 |
| Earnings | 41 (stronger) | 0 |
| Funding & liquidity | 60 | 84 (stronger) |
| Problem-loan coverage | 98 (stronger) | 51 |
| Peer percentile | 44th | 3rd |
| Total assets | $1.2B | $24.0M |
| Deposits / shares | $1.1B | $21.6M |
| Capital ratio | 10.32% (stronger) | 9.39% |
| Problem loans | 0.15% (stronger) | 2.09% |
| Net charge-offs | -0.06% (stronger) | 1.63% |
| Return on assets | 0.52% (stronger) | -1.97% |
| Loans ÷ deposits | 74.5% (stronger) | 76.0% |
| Uninsured deposits | 38.0% | 3.4% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (67 vs 38). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 6 and Monroe County Teachers Federal Credit Union on 1. 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.