Side-by-side · Q2 2026 data
FSNB, National Association vs Koin Credit Union
Metric by metric
| Measure | FSNB, National Association | Koin Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 42 |
| Loan quality | 88 (stronger) | 78 |
| Earnings | 100 (stronger) | 44 |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 92 (stronger) | 91 |
| Peer percentile | 99th | 28th |
| Total assets | $478.3M | $34.9M |
| Deposits / shares | $369.7M | $31.6M |
| Capital ratio | 17.51% (stronger) | 9.17% |
| Problem loans | 0.36% (stronger) | 0.66% |
| Net charge-offs | 1.02% | 0.35% (stronger) |
| Return on assets | 3.46% (stronger) | 0.59% |
| Loans ÷ deposits | 39.2% (stronger) | 65.1% |
| Uninsured deposits | 8.2% (stronger) | 9.3% |
| Offices | 66 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
FSNB, National Association has the higher TellerScore (96 vs 64). On the 7 directional measures above (where higher or lower is clearly better), FSNB, National Association leads on 6 and Koin Credit Union on 1. 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.