Side-by-side · Q2 2026 data
First State Bank vs Srp Federal Credit Union
Metric by metric
| Measure | First State Bank | Srp Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 81 (stronger) |
| Capital cushion | 55 | 88 (stronger) |
| Loan quality | 89 (stronger) | 75 |
| Earnings | 93 (stronger) | 73 |
| Funding & liquidity | 67 | 78 (stronger) |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 68th | 89th |
| Total assets | $512.7M | $2.1B |
| Deposits / shares | $444.8M | $1.8B |
| Capital ratio | 10.53% | 13.79% (stronger) |
| Problem loans | 0.32% (stronger) | 0.74% |
| Net charge-offs | 0.00% (stronger) | 0.85% |
| Return on assets | 1.84% (stronger) | 1.34% |
| Loans ÷ deposits | 93.5% | 81.9% (stronger) |
| Uninsured deposits | 14.6% | 4.9% (stronger) |
| Offices | 6 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.6% | 16.6% |
Srp Federal Credit Union has the higher TellerScore (81 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and Srp Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.