Side-by-side · Q2 2026 data
The First National Bank of Monterey vs Diversified General Federal Credit Union
Credit union
Diversified General Federal Credit Union
Logansport, Indiana · Under $100 million in assets
Metric by metric
| Measure | The First National Bank of Monterey | Diversified General Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 64 |
| Capital cushion | 81 (stronger) | 32 |
| Loan quality | 88 | 92 (stronger) |
| Earnings | 64 (stronger) | 47 |
| Funding & liquidity | 83 | 84 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 80th | 28th |
| Total assets | $430.5M | $20.9M |
| Deposits / shares | $379.8M | $19.1M |
| Capital ratio | 13.13% (stronger) | 8.24% |
| Problem loans | 0.37% | 0.23% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.12% |
| Return on assets | 1.10% (stronger) | 0.68% |
| Loans ÷ deposits | 64.8% (stronger) | 75.9% |
| Uninsured deposits | 25.7% | 1.5% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Monterey has the higher TellerScore (81 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Monterey leads on 5 and Diversified General Federal 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.