Side-by-side · Q2 2026 data
First Western Bank & Trust vs Aspire Community Federal Credit Union
Credit union
Aspire Community Federal Credit Union
Minot, North Dakota · $100 million – $1 billion
Metric by metric
| Measure | First Western Bank & Trust | Aspire Community Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 87 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 53 | 86 (stronger) |
| Earnings | 59 | 83 (stronger) |
| Funding & liquidity | 64 (stronger) | 63 |
| Problem-loan coverage | 70 | 96 (stronger) |
| Peer percentile | 13th | 91st |
| Total assets | $2.4B | $181.6M |
| Deposits / shares | $2.0B | $154.9M |
| Capital ratio | 9.61% | 15.59% (stronger) |
| Problem loans | 1.42% | 0.41% (stronger) |
| Net charge-offs | 0.23% | 0.02% (stronger) |
| Return on assets | 0.96% | 1.57% (stronger) |
| Loans ÷ deposits | 96.7% (stronger) | 97.5% |
| Uninsured deposits | 6.1% (stronger) | 10.8% |
| Offices | 19 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | 3.3% |
Aspire Community Federal Credit Union has the higher TellerScore (87 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First Western Bank & Trust leads on 2 and Aspire Community Federal Credit Union on 5. 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.