Side-by-side · Q2 2026 data
First Western Bank & Trust vs Minot Area Schools Federal Credit Union
Credit union
Minot Area Schools Federal Credit Union
Minot, North Dakota · Under $100 million in assets
Metric by metric
| Measure | First Western Bank & Trust | Minot Area Schools Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 69 (stronger) |
| Capital cushion | 46 (stronger) | 40 |
| Loan quality | 53 | 98 (stronger) |
| Earnings | 59 (stronger) | 35 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 70 | 100 (stronger) |
| Peer percentile | 13th | 38th |
| Total assets | $2.4B | $14.8M |
| Deposits / shares | $2.0B | $13.4M |
| Capital ratio | 9.61% (stronger) | 9.04% |
| Problem loans | 1.42% | 0.06% (stronger) |
| Net charge-offs | 0.23% | 0.05% (stronger) |
| Return on assets | 0.96% (stronger) | 0.36% |
| Loans ÷ deposits | 96.7% | 42.3% (stronger) |
| Uninsured deposits | 6.1% | 2.0% (stronger) |
| Offices | 19 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | — |
Minot Area Schools Federal Credit Union has the higher TellerScore (69 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First Western Bank & Trust leads on 2 and Minot Area Schools 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.