Side-by-side · Q2 2026 data
The First National Bank of Dryden vs Beginnings Credit Union
Metric by metric
| Measure | The First National Bank of Dryden | Beginnings Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 77 |
| Capital cushion | 85 | 90 (stronger) |
| Loan quality | 69 | 77 (stronger) |
| Earnings | 79 (stronger) | 49 |
| Funding & liquidity | 82 (stronger) | 78 |
| Problem-loan coverage | 92 | 93 (stronger) |
| Peer percentile | 77th | 82nd |
| Total assets | $203.9M | $1.5B |
| Deposits / shares | $179.6M | $1.3B |
| Capital ratio | 13.55% | 14.01% (stronger) |
| Problem loans | 0.93% | 0.69% (stronger) |
| Net charge-offs | 0.59% | 0.39% (stronger) |
| Return on assets | 1.48% (stronger) | 0.73% |
| Loans ÷ deposits | 56.0% (stronger) | 82.3% |
| Uninsured deposits | 31.6% | 9.2% (stronger) |
| Offices | 3 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Dryden has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Dryden leads on 3 and Beginnings 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.