Side-by-side · Q2 2026 data
The First National Bank of Moody vs First Central Credit Union
Metric by metric
| Measure | The First National Bank of Moody | First Central Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 76 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 35 |
| Earnings | 59 | 68 (stronger) |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 92nd | 68th |
| Total assets | $54.2M | $191.7M |
| Deposits / shares | $42.4M | $160.2M |
| Capital ratio | 18.31% (stronger) | 16.35% |
| Problem loans | 0.00% (stronger) | 1.95% |
| Net charge-offs | -0.06% (stronger) | 0.75% |
| Return on assets | 0.97% | 1.19% (stronger) |
| Loans ÷ deposits | 39.2% (stronger) | 61.3% |
| Uninsured deposits | 14.3% | 5.1% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.0% |
The First National Bank of Moody has the higher TellerScore (92 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Moody leads on 5 and First Central Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.