Side-by-side · Q2 2026 data
Fnbt Bank vs Members First Credit Union of Flori
Credit union
Members First Credit Union of Flori
Pensacola, Florida · $100 million – $1 billion
Metric by metric
| Measure | Fnbt Bank | Members First Credit Union of Flori |
|---|---|---|
| TellerScore | 79 | 93 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 80 | 86 (stronger) |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 75th | 97th |
| Total assets | $628.5M | $315.8M |
| Deposits / shares | $555.9M | $265.5M |
| Capital ratio | 11.08% | 15.39% (stronger) |
| Problem loans | 0.00% (stronger) | 0.43% |
| Net charge-offs | -0.08% (stronger) | 0.48% |
| Return on assets | 1.51% | 1.66% (stronger) |
| Loans ÷ deposits | 43.0% (stronger) | 51.8% |
| Uninsured deposits | 47.9% | 8.0% (stronger) |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members First Credit Union of Flori has the higher TellerScore (93 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Fnbt Bank leads on 3 and Members First Credit Union of Flori on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.