Side-by-side · Q2 2026 data
Friend 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 | Friend Bank | Walton County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 81 |
| Capital cushion | 85 (stronger) | 59 |
| Loan quality | 84 | 85 (stronger) |
| Earnings | 87 | 87 |
| Funding & liquidity | 75 | 100 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 88th | 68th |
| Total assets | $221.0M | $30.1M |
| Deposits / shares | $190.9M | $26.6M |
| Capital ratio | 13.52% (stronger) | 10.89% |
| Problem loans | 0.48% | 0.45% (stronger) |
| Net charge-offs | -0.12% (stronger) | 0.30% |
| Return on assets | 1.67% (stronger) | 1.66% |
| Loans ÷ deposits | 73.3% | 52.1% (stronger) |
| Uninsured deposits | 25.4% | 1.2% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.8% | — |
Friend Bank has the higher TellerScore (85 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Friend 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.