Side-by-side · Q2 2026 data
First United Bank vs Postal Family Federal Credit Union
Credit union
Postal Family Federal Credit Union
Fargo, North Dakota · Under $100 million in assets
Metric by metric
| Measure | First United Bank | Postal Family Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 74 |
| Capital cushion | 51 | 55 (stronger) |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 87 (stronger) | 47 |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 72nd | 49th |
| Total assets | $810.8M | $30.2M |
| Deposits / shares | $702.1M | $27.1M |
| Capital ratio | 10.13% | 10.52% (stronger) |
| Problem loans | 0.01% (stronger) | 0.19% |
| Net charge-offs | 0.01% (stronger) | 0.42% |
| Return on assets | 1.66% (stronger) | 0.69% |
| Loans ÷ deposits | 81.9% | 31.6% (stronger) |
| Uninsured deposits | 21.6% | 3.0% (stronger) |
| Offices | 19 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | — |
First United Bank has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First United Bank leads on 4 and Postal Family Federal Credit Union on 3. 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.