Side-by-side · Q2 2026 data
Florida Capital Bank, National Association vs Metro North Federal Credit Union
Bank
Florida Capital Bank, National Association
Jacksonville, Florida · $100 million – $1 billion
Credit union
Metro North Federal Credit Union
Jacksonville, Florida · Under $100 million in assets
Metric by metric
| Measure | Florida Capital Bank, National Association | Metro North Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 87 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 95 | 98 (stronger) |
| Earnings | 59 (stronger) | 37 |
| Funding & liquidity | 27 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 26th | 83rd |
| Total assets | $713.1M | $21.7M |
| Deposits / shares | $639.8M | $17.9M |
| Capital ratio | 9.77% | 16.74% (stronger) |
| Problem loans | 0.16% | 0.07% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.98% (stronger) | 0.42% |
| Loans ÷ deposits | 83.5% | 46.0% (stronger) |
| Uninsured deposits | 67.2% | 0.0% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | — |
Metro North Federal Credit Union has the higher TellerScore (87 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Florida Capital Bank, National Association leads on 2 and Metro North 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.