Side-by-side · Q2 2026 data
The First National Bank in Cimarron vs Garden City Teachers Federal Credit Union
Credit union
Garden City Teachers Federal Credit Union
Garden City, Kansas · Under $100 million in assets
Metric by metric
| Measure | The First National Bank in Cimarron | Garden City Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 61 |
| Capital cushion | 46 (stronger) | 33 |
| Loan quality | 92 (stronger) | 78 |
| Earnings | 100 (stronger) | 40 |
| Funding & liquidity | 88 | 96 (stronger) |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 77th | 23rd |
| Total assets | $143.5M | $15.7M |
| Deposits / shares | $131.3M | $14.4M |
| Capital ratio | 9.60% (stronger) | 8.28% |
| Problem loans | 0.25% (stronger) | 0.67% |
| Net charge-offs | 0.00% (stronger) | 0.59% |
| Return on assets | 2.10% (stronger) | 0.50% |
| Loans ÷ deposits | 53.4% (stronger) | 64.7% |
| Uninsured deposits | 25.6% | 6.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank in Cimarron has the higher TellerScore (80 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank in Cimarron leads on 6 and Garden City Teachers Federal Credit Union on 1. 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.