Side-by-side · Q2 2026 data
The First National Bank of Winnsboro vs Kelly Community Federal Credit Union
Metric by metric
| Measure | The First National Bank of Winnsboro | Kelly Community Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 76 |
| Loan quality | 63 | 73 (stronger) |
| Earnings | 97 (stronger) | 73 |
| Funding & liquidity | 78 (stronger) | 72 |
| Problem-loan coverage | 94 (stronger) | 90 |
| Peer percentile | 90th | 66th |
| Total assets | $158.2M | $189.4M |
| Deposits / shares | $121.4M | $161.4M |
| Capital ratio | 22.72% (stronger) | 12.64% |
| Problem loans | 1.10% | 0.82% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.49% |
| Return on assets | 1.92% (stronger) | 1.33% |
| Loans ÷ deposits | 82.6% (stronger) | 87.9% |
| Uninsured deposits | 14.7% | 3.2% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.7% | 34.0% |
The First National Bank of Winnsboro has the higher TellerScore (86 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Winnsboro leads on 5 and Kelly Community Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.