Side-by-side · Q2 2026 data
FSNB, National Association vs State Employees' Credit Union
Metric by metric
| Measure | FSNB, National Association | State Employees' Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 50 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 88 (stronger) | 21 |
| Earnings | 100 (stronger) | 49 |
| Funding & liquidity | 100 (stronger) | 88 |
| Problem-loan coverage | 92 (stronger) | 69 |
| Peer percentile | 99th | 6th |
| Total assets | $478.3M | $60.0B |
| Deposits / shares | $369.7M | $53.5B |
| Capital ratio | 17.51% (stronger) | 10.12% |
| Problem loans | 0.36% (stronger) | 2.38% |
| Net charge-offs | 1.02% | 0.66% (stronger) |
| Return on assets | 3.46% (stronger) | 0.72% |
| Loans ÷ deposits | 39.2% (stronger) | 72.3% |
| Uninsured deposits | 8.2% (stronger) | 8.6% |
| Offices | 66 | 280 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
FSNB, National Association has the higher TellerScore (96 vs 50). On the 7 directional measures above (where higher or lower is clearly better), FSNB, National Association leads on 6 and State Employees' 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.
Where both have branches
- Raleigh, NC
- Wilmington, NC
- Fayetteville, NC
- Hope Mills, NC
- Jacksonville, NC
- Rockingham, NC
- Wake Forest, NC