Side-by-side · Q2 2026 data
The First National Bank of Waverly vs Desco Federal Credit Union
Metric by metric
| Measure | The First National Bank of Waverly | Desco Federal Credit Union |
|---|---|---|
| TellerScore | 41 | 76 (stronger) |
| Capital cushion | 42 | 68 (stronger) |
| Loan quality | 0 | 83 (stronger) |
| Earnings | 50 | 59 (stronger) |
| Funding & liquidity | 83 | 93 (stronger) |
| Problem-loan coverage | 64 | 95 (stronger) |
| Peer percentile | 3rd | 68th |
| Total assets | $196.2M | $550.7M |
| Deposits / shares | $172.6M | $481.4M |
| Capital ratio | 9.22% | 11.77% (stronger) |
| Problem loans | 3.61% | 0.51% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.12% |
| Return on assets | 0.74% | 0.98% (stronger) |
| Loans ÷ deposits | 54.3% (stronger) | 66.8% |
| Uninsured deposits | 30.6% | 12.7% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Desco Federal Credit Union has the higher TellerScore (76 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 Desco Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.