Side-by-side · Q2 2026 data
The First National Bank of Waynesboro vs Srp Federal Credit Union
Metric by metric
| Measure | The First National Bank of Waynesboro | Srp Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 88 |
| Loan quality | 93 (stronger) | 75 |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 69 | 78 (stronger) |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 98th | 89th |
| Total assets | $229.1M | $2.1B |
| Deposits / shares | $182.7M | $1.8B |
| Capital ratio | 19.14% (stronger) | 13.79% |
| Problem loans | 0.20% (stronger) | 0.74% |
| Net charge-offs | 0.05% (stronger) | 0.85% |
| Return on assets | 2.33% (stronger) | 1.34% |
| Loans ÷ deposits | 82.7% | 81.9% (stronger) |
| Uninsured deposits | 22.6% | 4.9% (stronger) |
| Offices | 1 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.6% |
The First National Bank of Waynesboro has the higher TellerScore (94 vs 81). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Waynesboro leads on 5 and Srp Federal Credit Union on 2. 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.