Side-by-side · Q2 2026 data
First State Bank vs Family Community Credit Union
Metric by metric
| Measure | First State Bank | Family Community Credit Union |
|---|---|---|
| TellerScore | 79 | 82 (stronger) |
| Capital cushion | 57 | 71 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 85 (stronger) | 55 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 63rd | 70th |
| Total assets | $72.5M | $26.3M |
| Deposits / shares | $61.7M | $23.0M |
| Capital ratio | 10.71% | 12.10% (stronger) |
| Problem loans | 0.00% (stronger) | 0.08% |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 1.62% (stronger) | 0.88% |
| Loans ÷ deposits | 89.5% | 38.7% (stronger) |
| Uninsured deposits | 18.3% | 6.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Family Community Credit Union has the higher TellerScore (82 vs 79). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and Family Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.