Side-by-side · Q2 2026 data
First State Bank vs Associated Credit Union
Metric by metric
| Measure | First State Bank | Associated Credit Union |
|---|---|---|
| TellerScore | 77 | 77 |
| Capital cushion | 55 | 80 (stronger) |
| Loan quality | 89 | 90 (stronger) |
| Earnings | 93 (stronger) | 49 |
| Funding & liquidity | 67 | 75 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 68th | 82nd |
| Total assets | $512.7M | $2.5B |
| Deposits / shares | $444.8M | $2.2B |
| Capital ratio | 10.53% | 13.03% (stronger) |
| Problem loans | 0.32% | 0.30% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.54% |
| Return on assets | 1.84% (stronger) | 0.72% |
| Loans ÷ deposits | 93.5% | 84.9% (stronger) |
| Uninsured deposits | 14.6% | 7.3% (stronger) |
| Offices | 6 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.6% | 22.1% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Associated Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.