Side-by-side · Q2 2026 data
The First National Bank of Pandora vs Millstream Area Credit Union
Metric by metric
| Measure | The First National Bank of Pandora | Millstream Area Credit Union |
|---|---|---|
| TellerScore | 65 | 82 (stronger) |
| Capital cushion | 31 | 76 (stronger) |
| Loan quality | 91 (stronger) | 78 |
| Earnings | 56 | 77 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 29th | 70th |
| Total assets | $299.0M | $70.8M |
| Deposits / shares | $275.1M | $61.3M |
| Capital ratio | 8.07% | 12.64% (stronger) |
| Problem loans | 0.27% (stronger) | 0.66% |
| Net charge-offs | 0.10% (stronger) | 0.38% |
| Return on assets | 0.89% | 1.41% (stronger) |
| Loans ÷ deposits | 72.3% | 55.9% (stronger) |
| Uninsured deposits | 21.7% | 0.0% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | — |
Millstream Area Credit Union has the higher TellerScore (82 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Pandora leads on 2 and Millstream Area Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.