Side-by-side · Q2 2026 data
FNB Bank, Inc. vs Wepco Federal Credit Union
Metric by metric
| Measure | FNB Bank, Inc. | Wepco Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 86 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 85 (stronger) | 67 |
| Earnings | 60 | 86 (stronger) |
| Funding & liquidity | 69 | 84 (stronger) |
| Problem-loan coverage | 93 (stronger) | 91 |
| Peer percentile | 43rd | 89th |
| Total assets | $277.9M | $399.3M |
| Deposits / shares | $247.8M | $336.7M |
| Capital ratio | 10.60% | 15.46% (stronger) |
| Problem loans | 0.45% (stronger) | 0.98% |
| Net charge-offs | 0.23% (stronger) | 0.83% |
| Return on assets | 0.99% | 1.65% (stronger) |
| Loans ÷ deposits | 84.0% | 76.6% (stronger) |
| Uninsured deposits | 21.5% | 5.4% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | 15.5% |
Wepco Federal Credit Union has the higher TellerScore (86 vs 70). On the 7 directional measures above (where higher or lower is clearly better), FNB Bank, Inc. leads on 2 and Wepco Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.