Side-by-side · Q2 2026 data
The First National Bank of Manchester vs L & N Federal Credit Union
Metric by metric
| Measure | The First National Bank of Manchester | L & N Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 72 (stronger) |
| Capital cushion | 49 | 56 (stronger) |
| Loan quality | 46 | 91 (stronger) |
| Earnings | 60 | 64 (stronger) |
| Funding & liquidity | 61 | 69 (stronger) |
| Problem-loan coverage | 79 | 96 (stronger) |
| Peer percentile | 11th | 66th |
| Total assets | $230.1M | $2.6B |
| Deposits / shares | $206.4M | $2.3B |
| Capital ratio | 9.86% | 10.55% (stronger) |
| Problem loans | 1.62% | 0.26% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.06% |
| Return on assets | 0.99% | 1.11% (stronger) |
| Loans ÷ deposits | 75.2% (stronger) | 91.7% |
| Uninsured deposits | 36.7% | 13.9% (stronger) |
| Offices | 6 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.7% |
L & N Federal Credit Union has the higher TellerScore (72 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Manchester leads on 2 and L & N 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.