Side-by-side · Q2 2026 data
State Bank of Lakota vs First Community Credit Union
Metric by metric
| Measure | State Bank of Lakota | First Community Credit Union |
|---|---|---|
| TellerScore | 71 | 71 |
| Capital cushion | 46 | 73 (stronger) |
| Loan quality | 84 (stronger) | 80 |
| Earnings | 63 (stronger) | 54 |
| Funding & liquidity | 93 (stronger) | 60 |
| Problem-loan coverage | 94 (stronger) | 93 |
| Peer percentile | 42nd | 62nd |
| Total assets | $64.2M | $1.5B |
| Deposits / shares | $57.6M | $1.1B |
| Capital ratio | 9.58% | 12.34% (stronger) |
| Problem loans | 0.49% (stronger) | 0.61% |
| Net charge-offs | 0.33% | 0.05% (stronger) |
| Return on assets | 1.07% (stronger) | 0.85% |
| Loans ÷ deposits | 66.9% (stronger) | 100.2% |
| Uninsured deposits | 10.8% | 9.1% (stronger) |
| Offices | 1 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), State Bank of Lakota leads on 3 and First Community Credit Union on 3. 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
- Lakota, ND