Side-by-side · Q2 2026 data
Gate City Bank vs First Community Credit Union
Metric by metric
| Measure | Gate City Bank | First Community Credit Union |
|---|---|---|
| TellerScore | 65 | 71 (stronger) |
| Capital cushion | 48 | 73 (stronger) |
| Loan quality | 77 | 80 (stronger) |
| Earnings | 54 | 54 |
| Funding & liquidity | 78 (stronger) | 60 |
| Problem-loan coverage | 89 | 93 (stronger) |
| Peer percentile | 36th | 62nd |
| Total assets | $4.0B | $1.5B |
| Deposits / shares | $3.6B | $1.1B |
| Capital ratio | 9.85% | 12.34% (stronger) |
| Problem loans | 0.69% | 0.61% (stronger) |
| Net charge-offs | 0.16% | 0.05% (stronger) |
| Return on assets | 0.85% | 0.85% (stronger) |
| Loans ÷ deposits | 82.5% (stronger) | 100.2% |
| Uninsured deposits | 10.9% | 9.1% (stronger) |
| Offices | 45 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Credit Union has the higher TellerScore (71 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Gate City Bank leads on 1 and First Community Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.