Side-by-side · Q2 2026 data
Thumb Bank and Trust vs Family First Credit Union
Metric by metric
| Measure | Thumb Bank and Trust | Family First Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 45 |
| Capital cushion | 44 | 50 (stronger) |
| Loan quality | 99 (stronger) | 13 |
| Earnings | 86 (stronger) | 30 |
| Funding & liquidity | 78 | 89 (stronger) |
| Problem-loan coverage | 100 (stronger) | 74 |
| Peer percentile | 68th | 5th |
| Total assets | $673.3M | $96.8M |
| Deposits / shares | $595.8M | $88.4M |
| Capital ratio | 9.44% | 9.98% (stronger) |
| Problem loans | 0.03% (stronger) | 2.62% |
| Net charge-offs | 0.00% (stronger) | 0.94% |
| Return on assets | 1.65% (stronger) | 0.25% |
| Loans ÷ deposits | 69.5% | 54.3% (stronger) |
| Uninsured deposits | 26.4% | 25.4% (stronger) |
| Offices | 13 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Thumb Bank and Trust has the higher TellerScore (77 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Thumb Bank and Trust leads on 4 and Family First Credit Union on 3. 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
- Freeland, MI