Side-by-side · Q2 2026 data
The First National Bank of Winnsboro vs Alba-Golden Federal Credit Union
Metric by metric
| Measure | The First National Bank of Winnsboro | Alba-Golden Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 63 | 100 (stronger) |
| Earnings | 97 (stronger) | 75 |
| Funding & liquidity | 78 (stronger) | 68 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 90th | 89th |
| Total assets | $158.2M | $22.2M |
| Deposits / shares | $121.4M | $18.1M |
| Capital ratio | 22.72% (stronger) | 16.84% |
| Problem loans | 1.10% | 0.01% (stronger) |
| Net charge-offs | 0.09% (stronger) | 1.16% |
| Return on assets | 1.92% (stronger) | 1.38% |
| Loans ÷ deposits | 82.6% (stronger) | 92.6% |
| Uninsured deposits | 14.7% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.7% | — |
Alba-Golden Federal Credit Union has the higher TellerScore (90 vs 86). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Winnsboro leads on 4 and Alba-Golden Federal Credit Union on 3. 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.