Side-by-side · Q2 2026 data
American Bank of Freedom vs United Credit Union
Metric by metric
| Measure | American Bank of Freedom | United Credit Union |
|---|---|---|
| TellerScore | 53 | 88 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 49 | 87 (stronger) |
| Earnings | 45 | 68 (stronger) |
| Funding & liquidity | 57 | 85 (stronger) |
| Problem-loan coverage | 79 | 97 (stronger) |
| Peer percentile | 9th | 92nd |
| Total assets | $948.3M | $302.1M |
| Deposits / shares | $736.5M | $253.5M |
| Capital ratio | 10.01% | 15.17% (stronger) |
| Problem loans | 1.54% | 0.40% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.64% |
| Return on assets | 0.63% | 1.19% (stronger) |
| Loans ÷ deposits | 93.8% | 75.5% (stronger) |
| Uninsured deposits | 23.7% | 6.3% (stronger) |
| Offices | 10 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.0% | — |
United Credit Union has the higher TellerScore (88 vs 53). On the 7 directional measures above (where higher or lower is clearly better), American Bank of Freedom leads on 1 and United Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.