Side-by-side · Q2 2026 data
The Watkins Savings Bank vs First Federal Credit Union
Metric by metric
| Measure | The Watkins Savings Bank | First Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 43 |
| Capital cushion | 98 (stronger) | 23 |
| Loan quality | 100 (stronger) | 71 |
| Earnings | 40 (stronger) | 1 |
| Funding & liquidity | 100 (stronger) | 70 |
| Problem-loan coverage | 100 (stronger) | 81 |
| Peer percentile | 84th | 2nd |
| Total assets | $86.7M | $174.5M |
| Deposits / shares | $75.0M | $152.0M |
| Capital ratio | 14.80% (stronger) | 7.29% |
| Problem loans | 0.00% (stronger) | 0.88% |
| Net charge-offs | 0.00% (stronger) | 0.41% |
| Return on assets | 0.51% (stronger) | -0.48% |
| Loans ÷ deposits | 43.1% (stronger) | 90.5% |
| Uninsured deposits | 8.7% | 4.0% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Watkins Savings Bank has the higher TellerScore (87 vs 43). On the 7 directional measures above (where higher or lower is clearly better), The Watkins Savings Bank leads on 6 and First Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.