Side-by-side · Q2 2026 data
Town Bank, National Association vs 1st Class Express Credit Union
Credit union
1st Class Express Credit Union
Waukesha, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Town Bank, National Association | 1st Class Express Credit Union |
|---|---|---|
| TellerScore | 70 | 86 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 93 (stronger) | 90 |
| Earnings | 77 (stronger) | 64 |
| Funding & liquidity | 51 | 70 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 58th | 80th |
| Total assets | $4.7B | $2.1M |
| Deposits / shares | $3.8B | $1.6M |
| Capital ratio | 9.75% | 22.89% (stronger) |
| Problem loans | 0.22% (stronger) | 0.30% |
| Net charge-offs | 0.09% | -5.46% (stronger) |
| Return on assets | 1.42% (stronger) | 1.10% |
| Loans ÷ deposits | 91.7% | 90.7% (stronger) |
| Uninsured deposits | 31.0% | 0.0% (stronger) |
| Offices | 24 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | — |
1st Class Express Credit Union has the higher TellerScore (86 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Town Bank, National Association leads on 2 and 1st Class Express 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.