Side-by-side · Q2 2026 data
The First State Bank vs J.C.T. Federal Credit Union
Metric by metric
| Measure | The First State Bank | J.C.T. Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 80 (stronger) |
| Capital cushion | 56 | 77 (stronger) |
| Loan quality | 28 | 100 (stronger) |
| Earnings | 100 (stronger) | 36 |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 68 | 100 (stronger) |
| Peer percentile | 20th | 65th |
| Total assets | $895.2M | $10.0M |
| Deposits / shares | $806.8M | $8.7M |
| Capital ratio | 10.58% | 12.67% (stronger) |
| Problem loans | 2.16% | 0.00% (stronger) |
| Net charge-offs | 0.12% | 0.00% (stronger) |
| Return on assets | 2.44% (stronger) | 0.40% |
| Loans ÷ deposits | 79.8% | 50.1% (stronger) |
| Uninsured deposits | 28.1% | 0.0% (stronger) |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
J.C.T. Federal Credit Union has the higher TellerScore (80 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank leads on 1 and J.C.T. Federal Credit Union on 6. 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.