Side-by-side · Q2 2026 data
The First Bank and Trust Company vs United Southeast Federal Credit Union
Credit union
United Southeast Federal Credit Union
Bristol, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | The First Bank and Trust Company | United Southeast Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 78 (stronger) |
| Capital cushion | 51 | 85 (stronger) |
| Loan quality | 91 (stronger) | 87 |
| Earnings | 93 (stronger) | 42 |
| Funding & liquidity | 37 | 88 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 66th | 74th |
| Total assets | $4.3B | $256.0M |
| Deposits / shares | $3.8B | $220.6M |
| Capital ratio | 10.07% | 13.49% (stronger) |
| Problem loans | 0.28% (stronger) | 0.40% |
| Net charge-offs | 0.22% (stronger) | 0.74% |
| Return on assets | 1.83% (stronger) | 0.55% |
| Loans ÷ deposits | 93.9% | 72.5% (stronger) |
| Uninsured deposits | 41.5% | 6.6% (stronger) |
| Offices | 29 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
United Southeast Federal Credit Union has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The First Bank and Trust Company leads on 3 and United Southeast Federal Credit Union on 4. 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.