Side-by-side · Q2 2026 data
First Watch Federal Credit Union vs Prestige Community Credit Union
Metric by metric
| Measure | First Watch Federal Credit Union | Prestige Community Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 58 |
| Capital cushion | 43 (stronger) | 39 |
| Loan quality | 99 (stronger) | 73 |
| Earnings | 28 | 42 (stronger) |
| Funding & liquidity | 87 (stronger) | 74 |
| Problem-loan coverage | 99 (stronger) | 86 |
| Peer percentile | 37th | 16th |
| Total assets | $104.7M | $118.8M |
| Deposits / shares | $94.7M | $106.5M |
| Capital ratio | 9.33% (stronger) | 8.90% |
| Problem loans | 0.03% (stronger) | 0.81% |
| Net charge-offs | 0.14% (stronger) | 1.12% |
| Return on assets | 0.19% | 0.54% (stronger) |
| Loans ÷ deposits | 73.0% (stronger) | 86.6% |
| Uninsured deposits | 6.4% (stronger) | 13.3% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.8% | — |
First Watch Federal Credit Union has the higher TellerScore (66 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First Watch Federal Credit Union leads on 6 and Prestige Community Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.