Side-by-side · Q2 2026 data
The First National Bank of Groton vs Beginnings Credit Union
Metric by metric
| Measure | The First National Bank of Groton | Beginnings Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 77 |
| Capital cushion | 96 (stronger) | 90 |
| Loan quality | 46 | 77 (stronger) |
| Earnings | 72 (stronger) | 49 |
| Funding & liquidity | 97 (stronger) | 78 |
| Problem-loan coverage | 86 | 93 (stronger) |
| Peer percentile | 72nd | 82nd |
| Total assets | $203.9M | $1.5B |
| Deposits / shares | $175.1M | $1.3B |
| Capital ratio | 14.58% (stronger) | 14.01% |
| Problem loans | 1.62% | 0.69% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.39% |
| Return on assets | 1.30% (stronger) | 0.73% |
| Loans ÷ deposits | 59.7% (stronger) | 82.3% |
| Uninsured deposits | 17.9% | 9.2% (stronger) |
| Offices | 2 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.3% | — |
The First National Bank of Groton has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Groton leads on 5 and Beginnings Credit Union on 2. 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.