Side-by-side · Q2 2026 data
Adams Bank & Trust vs Prescott Federal Credit Union
Credit union
Prescott Federal Credit Union
Prescott, Arizona · Under $100 million in assets
Metric by metric
| Measure | Adams Bank & Trust | Prescott Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 49 |
| Capital cushion | 91 (stronger) | 11 |
| Loan quality | 82 | 85 (stronger) |
| Earnings | 73 (stronger) | 0 |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 93rd | 8th |
| Total assets | $1.3B | $11.1M |
| Deposits / shares | $1.1B | $10.4M |
| Capital ratio | 14.11% (stronger) | 6.06% |
| Problem loans | 0.55% | 0.46% (stronger) |
| Net charge-offs | 0.02% (stronger) | 1.43% |
| Return on assets | 1.32% (stronger) | -1.87% |
| Loans ÷ deposits | 82.4% | 43.0% (stronger) |
| Uninsured deposits | 23.0% | 0.0% (stronger) |
| Offices | 23 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | — |
Adams Bank & Trust has the higher TellerScore (82 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Adams Bank & Trust leads on 4 and Prescott Federal 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.