Side-by-side · Q2 2026 data
American Bank & Trust vs Healthcare Plus Federal Credit Union
Credit union
Healthcare Plus Federal Credit Union
Aberdeen, South Dakota · Under $100 million in assets
Metric by metric
| Measure | American Bank & Trust | Healthcare Plus Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 44 |
| Capital cushion | 63 (stronger) | 35 |
| Loan quality | 81 (stronger) | 40 |
| Earnings | 74 (stronger) | 31 |
| Funding & liquidity | 56 | 72 (stronger) |
| Problem-loan coverage | 93 (stronger) | 67 |
| Peer percentile | 66th | 4th |
| Total assets | $2.2B | $70.4M |
| Deposits / shares | $2.0B | $63.1M |
| Capital ratio | 11.28% (stronger) | 8.54% |
| Problem loans | 0.57% (stronger) | 1.80% |
| Net charge-offs | 0.01% (stronger) | 0.27% |
| Return on assets | 1.34% (stronger) | 0.29% |
| Loans ÷ deposits | 80.7% (stronger) | 88.0% |
| Uninsured deposits | 36.8% | 6.3% (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 44). On the 7 directional measures above (where higher or lower is clearly better), American Bank & Trust leads on 6 and Healthcare Plus Federal Credit Union on 1. 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.