Side-by-side · Q2 2026 data
The First State Bank vs United Northwest Federal Credit Union
Credit union
United Northwest Federal Credit Union
Norton, Kansas · Under $100 million in assets
Metric by metric
| Measure | The First State Bank | United Northwest Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 87 |
| Capital cushion | 81 | 100 (stronger) |
| Loan quality | 97 (stronger) | 88 |
| Earnings | 94 (stronger) | 50 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 95th | 83rd |
| Total assets | $493.2M | $54.5M |
| Deposits / shares | $406.6M | $45.5M |
| Capital ratio | 13.05% | 15.87% (stronger) |
| Problem loans | 0.10% (stronger) | 0.35% |
| Net charge-offs | 0.14% | 0.12% (stronger) |
| Return on assets | 1.85% (stronger) | 0.76% |
| Loans ÷ deposits | 68.5% | 47.0% (stronger) |
| Uninsured deposits | 23.1% | 4.7% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First State Bank has the higher TellerScore (90 vs 87). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank leads on 3 and United Northwest Federal Credit Union on 4. 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.
Where both have branches
- Norton, KS