Side-by-side · Q2 2026 data
American Bank vs Clearwater Federal Credit Union
Metric by metric
| Measure | American Bank | Clearwater Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 76 |
| Capital cushion | 61 | 78 (stronger) |
| Loan quality | 100 (stronger) | 78 |
| Earnings | 75 (stronger) | 65 |
| Funding & liquidity | 74 (stronger) | 71 |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 75th | 79th |
| Total assets | $630.4M | $1.2B |
| Deposits / shares | $564.0M | $945.2M |
| Capital ratio | 11.12% | 12.83% (stronger) |
| Problem loans | 0.00% (stronger) | 0.67% |
| Net charge-offs | -0.00% (stronger) | 0.34% |
| Return on assets | 1.37% (stronger) | 1.12% |
| Loans ÷ deposits | 69.1% (stronger) | 89.2% |
| Uninsured deposits | 30.2% | 5.9% (stronger) |
| Offices | 6 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.9% |
American Bank has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), American Bank leads on 5 and Clearwater Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.