Side-by-side · Q2 2026 data
First State Bank vs Tinker Federal Credit Union
Metric by metric
| Measure | First State Bank | Tinker Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 83 (stronger) |
| Capital cushion | 63 | 97 (stronger) |
| Loan quality | 75 | 79 (stronger) |
| Earnings | 46 | 53 (stronger) |
| Funding & liquidity | 68 | 91 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 30th | 92nd |
| Total assets | $61.5M | $6.1B |
| Deposits / shares | $56.8M | $5.2B |
| Capital ratio | 11.34% | 14.72% (stronger) |
| Problem loans | 0.76% | 0.63% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.96% |
| Return on assets | 0.64% | 0.82% (stronger) |
| Loans ÷ deposits | 30.3% (stronger) | 69.1% |
| Uninsured deposits | 44.1% | 13.5% (stronger) |
| Offices | 1 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 33.6% |
Tinker Federal Credit Union has the higher TellerScore (83 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Tinker Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.