Side-by-side · Q2 2026 data
American Commerce Bank, National Association vs Membersfirst Credit Union
Metric by metric
| Measure | American Commerce Bank, National Association | Membersfirst Credit Union |
|---|---|---|
| TellerScore | 63 | 76 (stronger) |
| Capital cushion | 100 (stronger) | 67 |
| Loan quality | 1 | 93 (stronger) |
| Earnings | 91 (stronger) | 52 |
| Funding & liquidity | 51 | 82 (stronger) |
| Problem-loan coverage | 73 | 98 (stronger) |
| Peer percentile | 24th | 68th |
| Total assets | $495.7M | $429.0M |
| Deposits / shares | $392.1M | $376.8M |
| Capital ratio | 17.09% (stronger) | 11.73% |
| Problem loans | 2.98% | 0.20% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.25% |
| Return on assets | 1.79% (stronger) | 0.80% |
| Loans ÷ deposits | 102.4% | 78.0% (stronger) |
| Uninsured deposits | 21.4% | 3.7% (stronger) |
| Offices | 4 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Membersfirst Credit Union has the higher TellerScore (76 vs 63). On the 7 directional measures above (where higher or lower is clearly better), American Commerce Bank, National Association leads on 3 and Membersfirst Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.