Side-by-side · Q2 2026 data
The First National Bank of Monterey vs Beacon Credit Union
Metric by metric
| Measure | The First National Bank of Monterey | Beacon Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 76 |
| Capital cushion | 81 | 85 (stronger) |
| Loan quality | 88 (stronger) | 84 |
| Earnings | 64 (stronger) | 47 |
| Funding & liquidity | 83 (stronger) | 71 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 80th | 79th |
| Total assets | $430.5M | $1.8B |
| Deposits / shares | $379.8M | $1.4B |
| Capital ratio | 13.13% | 13.52% (stronger) |
| Problem loans | 0.37% (stronger) | 0.47% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.10% (stronger) | 0.68% |
| Loans ÷ deposits | 64.8% (stronger) | 89.1% |
| Uninsured deposits | 25.7% | 0.0% (stronger) |
| Offices | 4 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Monterey has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Monterey leads on 5 and Beacon Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.