Side-by-side · Q2 2026 data
First State Bank vs Desco Federal Credit Union
Metric by metric
| Measure | First State Bank | Desco Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 76 (stronger) |
| Capital cushion | 55 | 68 (stronger) |
| Loan quality | 71 | 83 (stronger) |
| Earnings | 64 (stronger) | 59 |
| Funding & liquidity | 89 | 93 (stronger) |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 58th | 68th |
| Total assets | $1.2B | $550.7M |
| Deposits / shares | $1.1B | $481.4M |
| Capital ratio | 10.47% | 11.77% (stronger) |
| Problem loans | 0.86% | 0.51% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.12% |
| Return on assets | 1.10% (stronger) | 0.98% |
| Loans ÷ deposits | 51.5% (stronger) | 66.8% |
| Uninsured deposits | 25.0% | 12.7% (stronger) |
| Offices | 17 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Desco Federal Credit Union has the higher TellerScore (76 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and Desco Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.