Side-by-side · Q2 2026 data
American Bank and Trust Company vs Saint Francis Employees Federal Credit Union
Credit union
Saint Francis Employees Federal Credit Union
Tulsa, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | American Bank and Trust Company | Saint Francis Employees Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 93 (stronger) |
| Earnings | 77 (stronger) | 70 |
| Funding & liquidity | 64 | 99 (stronger) |
| Problem-loan coverage | 50 | 99 (stronger) |
| Peer percentile | 19th | 92nd |
| Total assets | $324.4M | $44.7M |
| Deposits / shares | $268.9M | $37.2M |
| Capital ratio | 15.32% | 15.92% (stronger) |
| Problem loans | 6.26% | 0.20% (stronger) |
| Net charge-offs | 0.30% (stronger) | 0.46% |
| Return on assets | 1.42% (stronger) | 1.24% |
| Loans ÷ deposits | 71.6% | 41.0% (stronger) |
| Uninsured deposits | 37.3% | 15.9% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Saint Francis Employees Federal Credit Union has the higher TellerScore (92 vs 60). On the 7 directional measures above (where higher or lower is clearly better), American Bank and Trust Company leads on 2 and Saint Francis Employees Federal Credit Union on 5. 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.