Side-by-side · Q2 2026 data
FSNB, National Association vs Bowater Employees Credit Union
Metric by metric
| Measure | FSNB, National Association | Bowater Employees Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 88 (stronger) | 75 |
| Earnings | 100 (stronger) | 90 |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 92 (stronger) | 89 |
| Peer percentile | 99th | 66th |
| Total assets | $478.3M | $302.6M |
| Deposits / shares | $369.7M | $267.9M |
| Capital ratio | 17.51% (stronger) | 10.77% |
| Problem loans | 0.36% (stronger) | 0.74% |
| Net charge-offs | 1.02% | 0.49% (stronger) |
| Return on assets | 3.46% (stronger) | 1.74% |
| Loans ÷ deposits | 39.2% (stronger) | 81.2% |
| Uninsured deposits | 8.2% | 6.9% (stronger) |
| Offices | 66 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.3% |
FSNB, National Association has the higher TellerScore (96 vs 75). On the 7 directional measures above (where higher or lower is clearly better), FSNB, National Association leads on 5 and Bowater Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.