Side-by-side · Q2 2026 data
The First National Bank of Fort Smith vs Usem Mena Federal Credit Union
Metric by metric
| Measure | The First National Bank of Fort Smith | Usem Mena Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 89 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 100 (stronger) | 83 |
| Funding & liquidity | 60 (stronger) | 52 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 86th | 87th |
| Total assets | $2.3B | $1.8M |
| Deposits / shares | $2.0B | $1.2M |
| Capital ratio | 11.08% | 32.39% (stronger) |
| Problem loans | 0.44% | 0.00% (stronger) |
| Net charge-offs | 0.03% | -0.19% (stronger) |
| Return on assets | 2.04% (stronger) | 1.59% |
| Loans ÷ deposits | 77.4% (stronger) | 108.3% |
| Uninsured deposits | 35.6% | 0.0% (stronger) |
| Offices | 24 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.2% | — |
Usem Mena Federal Credit Union has the higher TellerScore (89 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Fort Smith leads on 2 and Usem Mena Federal Credit Union on 5. 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.