Side-by-side · Q2 2026 data
The Bank of Romney vs Act 1st Federal Credit Union
Metric by metric
| Measure | The Bank of Romney | Act 1st Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 51 |
| Capital cushion | 100 (stronger) | 31 |
| Loan quality | 42 | 49 (stronger) |
| Earnings | 75 (stronger) | 50 |
| Funding & liquidity | 66 | 81 (stronger) |
| Problem-loan coverage | 85 (stronger) | 73 |
| Peer percentile | 57th | 7th |
| Total assets | $368.8M | $149.7M |
| Deposits / shares | $283.5M | $137.2M |
| Capital ratio | 15.97% (stronger) | 8.07% |
| Problem loans | 1.73% | 1.53% (stronger) |
| Net charge-offs | 0.23% (stronger) | 0.76% |
| Return on assets | 1.37% (stronger) | 0.74% |
| Loans ÷ deposits | 94.2% | 79.1% (stronger) |
| Uninsured deposits | 12.5% | 4.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Bank of Romney has the higher TellerScore (74 vs 51). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Romney leads on 4 and Act 1st Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.