Side-by-side · Q2 2026 data
The First National Bank of Groton vs Alternatives Federal Credit Union
Metric by metric
| Measure | The First National Bank of Groton | Alternatives Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 29 |
| Capital cushion | 96 (stronger) | 38 |
| Loan quality | 46 (stronger) | 0 |
| Earnings | 72 (stronger) | 0 |
| Funding & liquidity | 97 (stronger) | 93 |
| Problem-loan coverage | 86 (stronger) | 36 |
| Peer percentile | 72nd | 0th |
| Total assets | $203.9M | $161.4M |
| Deposits / shares | $175.1M | $144.5M |
| Capital ratio | 14.58% (stronger) | 8.83% |
| Problem loans | 1.62% (stronger) | 4.71% |
| Net charge-offs | 0.08% (stronger) | 2.16% |
| Return on assets | 1.30% (stronger) | -1.01% |
| Loans ÷ deposits | 59.7% (stronger) | 67.4% |
| Uninsured deposits | 17.9% | 8.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.3% | 8.9% |
The First National Bank of Groton has the higher TellerScore (78 vs 29). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Groton leads on 6 and Alternatives Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.