Side-by-side · Q2 2026 data
The First National Bank of Waverly vs Chivaho Federal Credit Union
Metric by metric
| Measure | The First National Bank of Waverly | Chivaho Federal Credit Union |
|---|---|---|
| TellerScore | 41 | 84 (stronger) |
| Capital cushion | 42 | 89 (stronger) |
| Loan quality | 0 | 91 (stronger) |
| Earnings | 50 | 50 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 64 | 98 (stronger) |
| Peer percentile | 3rd | 75th |
| Total assets | $196.2M | $37.7M |
| Deposits / shares | $172.6M | $32.4M |
| Capital ratio | 9.22% | 13.88% (stronger) |
| Problem loans | 3.61% | 0.27% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.87% |
| Return on assets | 0.74% (stronger) | 0.74% |
| Loans ÷ deposits | 54.3% | 47.2% (stronger) |
| Uninsured deposits | 30.6% | 3.6% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Chivaho Federal Credit Union has the higher TellerScore (84 vs 41). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Waverly leads on 2 and Chivaho Federal Credit Union on 5. 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.