Side-by-side · Q2 2026 data
Fulton Bank, National Association vs First Capital Federal Credit Union
Metric by metric
| Measure | Fulton Bank, National Association | First Capital Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 81 (stronger) |
| Capital cushion | 52 | 70 (stronger) |
| Loan quality | 76 | 93 (stronger) |
| Earnings | 72 (stronger) | 63 |
| Funding & liquidity | 44 | 94 (stronger) |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 54th | 80th |
| Total assets | $32.6B | $368.5M |
| Deposits / shares | $27.4B | $322.4M |
| Capital ratio | 10.20% | 11.95% (stronger) |
| Problem loans | 0.71% | 0.20% (stronger) |
| Net charge-offs | 0.30% | 0.12% (stronger) |
| Return on assets | 1.30% (stronger) | 1.07% |
| Loans ÷ deposits | 87.7% | 66.6% (stronger) |
| Uninsured deposits | 40.5% | 3.7% (stronger) |
| Offices | 220 | 5 |
| CFPB complaints (3 yrs) | 246 | — |
| Complaints per $1B deposits | 9.0 | — |
| Mortgage denial rate (HMDA) | 23.0% | 18.7% |
First Capital Federal Credit Union has the higher TellerScore (81 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Fulton Bank, National Association leads on 1 and First Capital Federal Credit Union on 6. 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.