Side-by-side · Q2 2026 data
First US Bank vs Rocket City Federal Credit Union
Credit union
Rocket City Federal Credit Union
Huntsville, Alabama · Under $100 million in assets
Metric by metric
| Measure | First US Bank | Rocket City Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 94 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 95 (stronger) | 94 |
| Earnings | 51 | 78 (stronger) |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 44th | 95th |
| Total assets | $1.1B | $69.1M |
| Deposits / shares | $1.0B | $57.4M |
| Capital ratio | 9.16% | 17.25% (stronger) |
| Problem loans | 0.15% (stronger) | 0.17% |
| Net charge-offs | 0.27% | 0.21% (stronger) |
| Return on assets | 0.77% | 1.45% (stronger) |
| Loans ÷ deposits | 84.6% | 52.6% (stronger) |
| Uninsured deposits | 17.6% | 1.9% (stronger) |
| Offices | 16 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.8% | — |
Rocket City Federal Credit Union has the higher TellerScore (94 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First US Bank leads on 1 and Rocket City Federal Credit Union on 6. 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.