Side-by-side · Q2 2026 data
Fnbt Bank vs Eglin Federal Credit Union
Credit union
Eglin Federal Credit Union
Fort Walton Bea, Florida · $1 billion – $10 billion
Metric by metric
| Measure | Fnbt Bank | Eglin Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 85 (stronger) |
| Capital cushion | 61 | 81 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 80 (stronger) | 67 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 75th | 94th |
| Total assets | $628.5M | $3.1B |
| Deposits / shares | $555.9M | $2.7B |
| Capital ratio | 11.08% | 13.06% (stronger) |
| Problem loans | 0.00% (stronger) | 0.35% |
| Net charge-offs | -0.08% (stronger) | 0.47% |
| Return on assets | 1.51% (stronger) | 1.17% |
| Loans ÷ deposits | 43.0% | 34.9% (stronger) |
| Uninsured deposits | 47.9% | 9.9% (stronger) |
| Offices | 9 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Eglin Federal Credit Union has the higher TellerScore (85 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Fnbt Bank leads on 3 and Eglin Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Crestview, FL
- Destin, FL
- Fort Walton Beach, FL
- Mary Esther, FL
- Navarre, FL
- Niceville, FL