Side-by-side · Q2 2026 data
First State Bank vs Windthorst Federal Credit Union
Metric by metric
| Measure | First State Bank | Windthorst Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 73 |
| Capital cushion | 51 | 72 (stronger) |
| Loan quality | 100 (stronger) | 65 |
| Earnings | 81 (stronger) | 64 |
| Funding & liquidity | 97 (stronger) | 87 |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 80th | 60th |
| Total assets | $308.8M | $103.6M |
| Deposits / shares | $275.9M | $90.8M |
| Capital ratio | 10.08% | 12.19% (stronger) |
| Problem loans | 0.00% (stronger) | 1.04% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.52% (stronger) | 1.10% |
| Loans ÷ deposits | 60.5% (stronger) | 68.2% |
| Uninsured deposits | 17.9% (stronger) | 19.5% |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.6% |
First State Bank has the higher TellerScore (81 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 6 and Windthorst Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.