Side-by-side · Q2 2026 data
Firstlight Federal Credit Union vs First Service Credit Union
Metric by metric
| Measure | Firstlight Federal Credit Union | First Service Credit Union |
|---|---|---|
| TellerScore | 68 (stronger) | 64 |
| Capital cushion | 53 | 59 (stronger) |
| Loan quality | 84 (stronger) | 79 |
| Earnings | 57 (stronger) | 39 |
| Funding & liquidity | 67 | 67 |
| Problem-loan coverage | 92 (stronger) | 88 |
| Peer percentile | 50th | 36th |
| Total assets | $1.6B | $1.5B |
| Deposits / shares | $1.4B | $1.3B |
| Capital ratio | 10.33% | 10.94% (stronger) |
| Problem loans | 0.48% (stronger) | 0.62% |
| Net charge-offs | 1.48% | 0.84% (stronger) |
| Return on assets | 0.92% (stronger) | 0.49% |
| Loans ÷ deposits | 92.8% (stronger) | 93.2% |
| Uninsured deposits | 12.0% | 11.7% (stronger) |
| Offices | 5 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 52.6% | 11.1% |
Firstlight Federal Credit Union has the higher TellerScore (68 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Firstlight Federal Credit Union leads on 4 and First Service Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.