Side-by-side · Q2 2026 data
Adams Bank & Trust vs School District 3 Federal Credit Union
Credit union
School District 3 Federal Credit Union
Colorado Spring, Colorado · Under $100 million in assets
Metric by metric
| Measure | Adams Bank & Trust | School District 3 Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 91 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 73 (stronger) | 54 |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 93rd | 90th |
| Total assets | $1.3B | $36.0M |
| Deposits / shares | $1.1B | $30.2M |
| Capital ratio | 14.11% | 15.70% (stronger) |
| Problem loans | 0.55% | 0.00% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.32% (stronger) | 0.84% |
| Loans ÷ deposits | 82.4% | 55.0% (stronger) |
| Uninsured deposits | 23.0% | 3.3% (stronger) |
| Offices | 23 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | — |
School District 3 Federal Credit Union has the higher TellerScore (91 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Adams Bank & Trust leads on 1 and School District 3 Federal Credit Union on 6. 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.