Side-by-side · Q2 2026 data
The Waterford Commercial and Savings Bank vs First Federal Savings and Loan Association
Metric by metric
| Measure | The Waterford Commercial and Savings Bank | First Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 83 (stronger) | 70 |
| Capital cushion | 86 | 92 (stronger) |
| Loan quality | 97 (stronger) | 57 |
| Earnings | 52 (stronger) | 40 |
| Funding & liquidity | 82 (stronger) | 75 |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 73rd | 43rd |
| Total assets | $60.0M | $293.5M |
| Deposits / shares | $52.1M | $250.7M |
| Capital ratio | 13.60% | 14.18% (stronger) |
| Problem loans | 0.09% (stronger) | 1.28% |
| Net charge-offs | -0.13% (stronger) | 0.01% |
| Return on assets | 0.80% (stronger) | 0.50% |
| Loans ÷ deposits | 78.2% (stronger) | 83.7% |
| Uninsured deposits | 9.9% (stronger) | 16.3% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
The Waterford Commercial and Savings Bank has the higher TellerScore (83 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Waterford Commercial and Savings Bank leads on 6 and First Federal Savings and Loan Association on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.