Side-by-side · Q2 2026 data
American Bank & Trust vs Avanti Federal Credit Union
Credit union
Avanti Federal Credit Union
Watertown, South Dakota · Under $100 million in assets
Metric by metric
| Measure | American Bank & Trust | Avanti Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 51 |
| Capital cushion | 63 | 63 |
| Loan quality | 81 (stronger) | 0 |
| Earnings | 74 (stronger) | 58 |
| Funding & liquidity | 56 | 97 (stronger) |
| Problem-loan coverage | 93 (stronger) | 57 |
| Peer percentile | 66th | 10th |
| Total assets | $2.2B | $31.8M |
| Deposits / shares | $2.0B | $28.1M |
| Capital ratio | 11.28% | 11.29% (stronger) |
| Problem loans | 0.57% (stronger) | 4.00% |
| Net charge-offs | 0.01% (stronger) | 0.76% |
| Return on assets | 1.34% (stronger) | 0.94% |
| Loans ÷ deposits | 80.7% | 63.7% (stronger) |
| Uninsured deposits | 36.8% | 7.0% (stronger) |
| Offices | 20 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.0% | — |
American Bank & Trust has the higher TellerScore (72 vs 51). On the 7 directional measures above (where higher or lower is clearly better), American Bank & Trust leads on 4 and Avanti 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.