Side-by-side · Q2 2026 data
First United Bank & Trust vs Patriot Federal Credit Union
Metric by metric
| Measure | First United Bank & Trust | Patriot Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 76 (stronger) |
| Capital cushion | 66 (stronger) | 65 |
| Loan quality | 90 | 91 (stronger) |
| Earnings | 70 (stronger) | 63 |
| Funding & liquidity | 63 | 78 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 77th | 79th |
| Total assets | $2.1B | $1.3B |
| Deposits / shares | $1.7B | $1.2B |
| Capital ratio | 11.56% (stronger) | 11.49% |
| Problem loans | 0.31% | 0.26% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.29% |
| Return on assets | 1.25% (stronger) | 1.07% |
| Loans ÷ deposits | 89.0% | 82.1% (stronger) |
| Uninsured deposits | 22.7% | 11.9% (stronger) |
| Offices | 22 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Patriot Federal Credit Union has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First United Bank & Trust leads on 3 and Patriot Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.