Side-by-side · Q2 2026 data
The First National Bank of Carmi vs Ambraw Federal Credit Union
Metric by metric
| Measure | The First National Bank of Carmi | Ambraw Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 72 |
| Capital cushion | 64 (stronger) | 49 |
| Loan quality | 88 | 95 (stronger) |
| Earnings | 68 (stronger) | 45 |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 61st | 44th |
| Total assets | $622.2M | $16.7M |
| Deposits / shares | $545.5M | $14.9M |
| Capital ratio | 11.42% (stronger) | 9.90% |
| Problem loans | 0.35% | 0.16% (stronger) |
| Net charge-offs | -0.15% (stronger) | -0.11% |
| Return on assets | 1.19% (stronger) | 0.63% |
| Loans ÷ deposits | 77.5% | 16.3% (stronger) |
| Uninsured deposits | 28.5% | 0.0% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | — |
The First National Bank of Carmi has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Carmi leads on 4 and Ambraw Federal 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
- Lawrenceville, IL