Side-by-side · Q2 2026 data
First State Bank vs Concho Valley Credit Union
Metric by metric
| Measure | First State Bank | Concho Valley Credit Union |
|---|---|---|
| TellerScore | 78 | 78 |
| Capital cushion | 91 (stronger) | 64 |
| Loan quality | 37 | 95 (stronger) |
| Earnings | 100 (stronger) | 51 |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 72nd | 59th |
| Total assets | $174.3M | $25.7M |
| Deposits / shares | $148.1M | $22.6M |
| Capital ratio | 14.14% (stronger) | 11.44% |
| Problem loans | 1.90% | 0.14% (stronger) |
| Net charge-offs | 1.04% | 0.10% (stronger) |
| Return on assets | 2.06% (stronger) | 0.79% |
| Loans ÷ deposits | 38.8% (stronger) | 59.6% |
| Uninsured deposits | 28.8% | 3.5% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and Concho Valley Credit Union on 3. 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.