Side-by-side · Q2 2026 data
The First State Bank of Shelby vs 1st Liberty Federal Credit Union
Metric by metric
| Measure | The First State Bank of Shelby | 1st Liberty Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 84 |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 71 (stronger) | 40 |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 98th | 86th |
| Total assets | $175.6M | $214.2M |
| Deposits / shares | $148.5M | $182.4M |
| Capital ratio | 19.38% (stronger) | 14.43% |
| Problem loans | 0.00% (stronger) | 0.28% |
| Net charge-offs | -0.56% (stronger) | 0.18% |
| Return on assets | 1.28% (stronger) | 0.49% |
| Loans ÷ deposits | 16.5% (stronger) | 51.3% |
| Uninsured deposits | 24.9% | 4.1% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First State Bank of Shelby has the higher TellerScore (93 vs 84). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank of Shelby leads on 6 and 1st Liberty Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Shelby, MT