Side-by-side · Q2 2026 data
Lincoln State Bank vs First Community Credit Union
Metric by metric
| Measure | Lincoln State Bank | First Community Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 71 |
| Capital cushion | 50 | 73 (stronger) |
| Loan quality | 95 (stronger) | 80 |
| Earnings | 63 (stronger) | 54 |
| Funding & liquidity | 98 (stronger) | 60 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 64th | 62nd |
| Total assets | $125.1M | $1.5B |
| Deposits / shares | $111.9M | $1.1B |
| Capital ratio | 10.01% | 12.34% (stronger) |
| Problem loans | 0.15% (stronger) | 0.61% |
| Net charge-offs | -0.05% (stronger) | 0.05% |
| Return on assets | 1.07% (stronger) | 0.85% |
| Loans ÷ deposits | 58.7% (stronger) | 100.2% |
| Uninsured deposits | 16.6% | 9.1% (stronger) |
| Offices | 3 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lincoln State Bank has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Lincoln State Bank leads on 5 and First 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.
Where both have branches
- Hankinson, ND