Side-by-side · Q2 2026 data
First US Bank vs Aod Federal Credit Union
Metric by metric
| Measure | First US Bank | Aod Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 89 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 95 (stronger) | 82 |
| Earnings | 51 | 72 (stronger) |
| Funding & liquidity | 73 | 96 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 44th | 94th |
| Total assets | $1.1B | $466.7M |
| Deposits / shares | $1.0B | $395.2M |
| Capital ratio | 9.16% | 16.36% (stronger) |
| Problem loans | 0.15% (stronger) | 0.53% |
| Net charge-offs | 0.27% (stronger) | 0.58% |
| Return on assets | 0.77% | 1.30% (stronger) |
| Loans ÷ deposits | 84.6% | 63.9% (stronger) |
| Uninsured deposits | 17.6% | 4.6% (stronger) |
| Offices | 16 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.8% | 10.6% |
Aod Federal Credit Union has the higher TellerScore (89 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First US Bank leads on 2 and Aod Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.