Side-by-side · Q2 2026 data
The First State Bank vs Ellis Credit Union
Metric by metric
| Measure | The First State Bank | Ellis Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 89 |
| Capital cushion | 81 | 100 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 94 (stronger) | 44 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 95th | 87th |
| Total assets | $493.2M | $5.6M |
| Deposits / shares | $406.6M | $4.6M |
| Capital ratio | 13.05% | 17.07% (stronger) |
| Problem loans | 0.10% | 0.00% (stronger) |
| Net charge-offs | 0.14% | -0.10% (stronger) |
| Return on assets | 1.85% (stronger) | 0.61% |
| Loans ÷ deposits | 68.5% | 51.1% (stronger) |
| Uninsured deposits | 23.1% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First State Bank has the higher TellerScore (90 vs 89). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank leads on 2 and Ellis Credit Union on 5. 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.