Side-by-side · Q2 2026 data
The Malvern National Bank vs Patterson Federal Credit Union
Credit union
Patterson Federal Credit Union
Arkadelphia, Arkansas · Under $100 million in assets
Metric by metric
| Measure | The Malvern National Bank | Patterson Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 96 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 97 | 97 |
| Earnings | 61 | 100 (stronger) |
| Funding & liquidity | 79 (stronger) | 78 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 47th | 97th |
| Total assets | $728.4M | $38.0M |
| Deposits / shares | $655.4M | $31.1M |
| Capital ratio | 9.45% | 17.54% (stronger) |
| Problem loans | 0.09% | 0.08% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.09% |
| Return on assets | 1.02% | 2.26% (stronger) |
| Loans ÷ deposits | 59.6% (stronger) | 82.7% |
| Uninsured deposits | 34.2% | 0.5% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.3% | — |
Patterson Federal Credit Union has the higher TellerScore (96 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Malvern National Bank leads on 2 and Patterson Federal 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.