Side-by-side · Q2 2026 data
The First National Bank of Pandora vs Usx Federal Credit Union
Metric by metric
| Measure | The First National Bank of Pandora | Usx Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 78 (stronger) |
| Capital cushion | 31 | 75 (stronger) |
| Loan quality | 91 | 94 (stronger) |
| Earnings | 56 (stronger) | 37 |
| Funding & liquidity | 80 | 96 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 29th | 74th |
| Total assets | $299.0M | $258.1M |
| Deposits / shares | $275.1M | $225.9M |
| Capital ratio | 8.07% | 12.54% (stronger) |
| Problem loans | 0.27% | 0.18% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.27% |
| Return on assets | 0.89% (stronger) | 0.43% |
| Loans ÷ deposits | 72.3% | 63.8% (stronger) |
| Uninsured deposits | 21.7% | 2.9% (stronger) |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | 15.4% |
Usx Federal Credit Union has the higher TellerScore (78 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 Usx Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.