Side-by-side · Q2 2026 data
Fnbt Bank vs Walton County Teachers Federal Credit Union
Credit union
Walton County Teachers Federal Credit Union
Defuniak Spring, Florida · Under $100 million in assets
Metric by metric
| Measure | Fnbt Bank | Walton County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 81 (stronger) |
| Capital cushion | 61 (stronger) | 59 |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 80 | 87 (stronger) |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 75th | 68th |
| Total assets | $628.5M | $30.1M |
| Deposits / shares | $555.9M | $26.6M |
| Capital ratio | 11.08% (stronger) | 10.89% |
| Problem loans | 0.00% (stronger) | 0.45% |
| Net charge-offs | -0.08% (stronger) | 0.30% |
| Return on assets | 1.51% | 1.66% (stronger) |
| Loans ÷ deposits | 43.0% (stronger) | 52.1% |
| Uninsured deposits | 47.9% | 1.2% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Walton County Teachers Federal Credit Union has the higher TellerScore (81 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Fnbt Bank leads on 4 and Walton County Teachers Federal Credit Union on 3. 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.