Side-by-side · Q2 2026 data
Iowa State Bank vs First Class Community Credit Union
Credit union
First Class Community Credit Union
West Des Moines, Iowa · Under $100 million in assets
Metric by metric
| Measure | Iowa State Bank | First Class Community Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 90 (stronger) | 69 |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 99th | 59th |
| Total assets | $480.5M | $95.8M |
| Deposits / shares | $392.0M | $85.7M |
| Capital ratio | 15.92% (stronger) | 10.79% |
| Problem loans | 0.00% (stronger) | 0.37% |
| Net charge-offs | 0.00% (stronger) | 0.29% |
| Return on assets | 1.76% (stronger) | 1.22% |
| Loans ÷ deposits | 70.0% | 42.2% (stronger) |
| Uninsured deposits | 27.0% | 2.5% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | 35.3% |
Iowa State Bank has the higher TellerScore (95 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Iowa State Bank leads on 5 and First Class Community Credit Union on 2. 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.