Side-by-side · Q2 2026 data
American Bank of Commerce vs Citizens Federal Credit Union
Metric by metric
| Measure | American Bank of Commerce | Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 90 (stronger) |
| Capital cushion | 46 | 96 (stronger) |
| Loan quality | 95 | 96 (stronger) |
| Earnings | 62 | 87 (stronger) |
| Funding & liquidity | 56 | 66 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 49th | 95th |
| Total assets | $1.9B | $201.9M |
| Deposits / shares | $1.4B | $173.8M |
| Capital ratio | 9.65% | 14.60% (stronger) |
| Problem loans | 0.15% | 0.13% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.39% |
| Return on assets | 1.04% | 1.68% (stronger) |
| Loans ÷ deposits | 86.4% | 77.2% (stronger) |
| Uninsured deposits | 30.8% | 30.3% (stronger) |
| Offices | 12 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | — |
Citizens Federal Credit Union has the higher TellerScore (90 vs 68). On the 7 directional measures above (where higher or lower is clearly better), American Bank of Commerce leads on 1 and Citizens 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.