Side-by-side · Q2 2026 data
FNB Bank, Inc. vs Act 1st Federal Credit Union
Metric by metric
| Measure | FNB Bank, Inc. | Act 1st Federal Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 51 |
| Capital cushion | 56 (stronger) | 31 |
| Loan quality | 85 (stronger) | 49 |
| Earnings | 60 (stronger) | 50 |
| Funding & liquidity | 69 | 81 (stronger) |
| Problem-loan coverage | 93 (stronger) | 73 |
| Peer percentile | 43rd | 7th |
| Total assets | $277.9M | $149.7M |
| Deposits / shares | $247.8M | $137.2M |
| Capital ratio | 10.60% (stronger) | 8.07% |
| Problem loans | 0.45% (stronger) | 1.53% |
| Net charge-offs | 0.23% (stronger) | 0.76% |
| Return on assets | 0.99% (stronger) | 0.74% |
| Loans ÷ deposits | 84.0% | 79.1% (stronger) |
| Uninsured deposits | 21.5% | 4.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | — |
FNB Bank, Inc. has the higher TellerScore (70 vs 51). On the 7 directional measures above (where higher or lower is clearly better), FNB Bank, Inc. leads on 5 and Act 1st Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.