Side-by-side · Q2 2026 data
First State Bank vs Atomic Credit Union
Metric by metric
| Measure | First State Bank | Atomic Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 64 |
| Capital cushion | 55 (stronger) | 36 |
| Loan quality | 71 | 92 (stronger) |
| Earnings | 64 (stronger) | 54 |
| Funding & liquidity | 89 (stronger) | 68 |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 58th | 31st |
| Total assets | $1.2B | $855.4M |
| Deposits / shares | $1.1B | $776.0M |
| Capital ratio | 10.47% (stronger) | 8.57% |
| Problem loans | 0.86% | 0.24% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.41% |
| Return on assets | 1.10% (stronger) | 0.85% |
| Loans ÷ deposits | 51.5% (stronger) | 92.1% |
| Uninsured deposits | 25.0% | 9.7% (stronger) |
| Offices | 17 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 42.9% |
First State Bank has the higher TellerScore (70 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and Atomic Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.