Side-by-side · Q2 2026 data
The First National Bank of Monterey vs Lakes Federal Credit Union
Metric by metric
| Measure | The First National Bank of Monterey | Lakes Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 83 (stronger) |
| Capital cushion | 81 | 100 (stronger) |
| Loan quality | 88 (stronger) | 69 |
| Earnings | 64 (stronger) | 61 |
| Funding & liquidity | 83 | 95 (stronger) |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 80th | 72nd |
| Total assets | $430.5M | $28.0M |
| Deposits / shares | $379.8M | $23.7M |
| Capital ratio | 13.13% | 15.19% (stronger) |
| Problem loans | 0.37% (stronger) | 0.92% |
| Net charge-offs | -0.00% | -0.10% (stronger) |
| Return on assets | 1.10% (stronger) | 1.04% |
| Loans ÷ deposits | 64.8% (stronger) | 65.5% |
| Uninsured deposits | 25.7% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lakes Federal Credit Union has the higher TellerScore (83 vs 81). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Monterey leads on 3 and Lakes Federal Credit Union on 4. 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.