Side-by-side · Q2 2026 data
Adams Bank & Trust vs North Platte Union Pacific Employee Credit Union
Credit union
North Platte Union Pacific Employee Credit Union
North Platte, Nebraska · Under $100 million in assets
Metric by metric
| Measure | Adams Bank & Trust | North Platte Union Pacific Employee Credit Union |
|---|---|---|
| TellerScore | 82 | 86 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 82 (stronger) | 75 |
| Earnings | 73 (stronger) | 64 |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 93rd | 80th |
| Total assets | $1.3B | $43.4M |
| Deposits / shares | $1.1B | $36.0M |
| Capital ratio | 14.11% | 16.48% (stronger) |
| Problem loans | 0.55% (stronger) | 0.75% |
| Net charge-offs | 0.02% (stronger) | 0.19% |
| Return on assets | 1.32% (stronger) | 1.10% |
| Loans ÷ deposits | 82.4% | 43.1% (stronger) |
| Uninsured deposits | 23.0% | 0.0% (stronger) |
| Offices | 23 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | — |
North Platte Union Pacific Employee Credit Union has the higher TellerScore (86 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Adams Bank & Trust leads on 3 and North Platte Union Pacific Employee Credit Union on 4. 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.