Side-by-side · Q2 2026 data
FNB Picayune Bank vs Memorial Federal Credit Union
Metric by metric
| Measure | FNB Picayune Bank | Memorial Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 84 |
| Capital cushion | 100 | 100 |
| Loan quality | 58 | 95 (stronger) |
| Earnings | 100 (stronger) | 24 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 90th | 75th |
| Total assets | $282.3M | $5.9M |
| Deposits / shares | $241.0M | $3.6M |
| Capital ratio | 15.44% | 38.30% (stronger) |
| Problem loans | 1.26% | 0.16% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.91% |
| Return on assets | 3.28% (stronger) | 0.10% |
| Loans ÷ deposits | 75.1% | 55.7% (stronger) |
| Uninsured deposits | 17.0% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
FNB Picayune Bank has the higher TellerScore (86 vs 84). On the 7 directional measures above (where higher or lower is clearly better), FNB Picayune Bank leads on 3 and Memorial Federal Credit Union on 4. 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.