Side-by-side · Q2 2026 data
Pacific National Bank vs First Choice Credit Union
Metric by metric
| Measure | Pacific National Bank | First Choice Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 68 |
| Capital cushion | 58 (stronger) | 54 |
| Loan quality | 100 (stronger) | 80 |
| Earnings | 66 (stronger) | 36 |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 83rd | 45th |
| Total assets | $1.6B | $161.3M |
| Deposits / shares | $1.3B | $146.5M |
| Capital ratio | 10.80% (stronger) | 10.44% |
| Problem loans | 0.01% (stronger) | 0.60% |
| Net charge-offs | 0.05% (stronger) | 0.33% |
| Return on assets | 1.15% (stronger) | 0.41% |
| Loans ÷ deposits | 73.0% | 53.7% (stronger) |
| Uninsured deposits | 27.8% | 7.0% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pacific National Bank has the higher TellerScore (77 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Pacific National Bank leads on 5 and First Choice 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.