Side-by-side · Q2 2026 data
American Commercial Bank & Trust, National Association vs Financial Plus Credit Union
Bank
American Commercial Bank & Trust, National Association
Ottawa, Illinois · $1 billion – $10 billion
Metric by metric
| Measure | American Commercial Bank & Trust, National Association | Financial Plus Credit Union |
|---|---|---|
| TellerScore | 66 | 84 (stronger) |
| Capital cushion | 43 | 82 (stronger) |
| Loan quality | 90 (stronger) | 85 |
| Earnings | 74 | 79 (stronger) |
| Funding & liquidity | 45 | 84 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 40th | 86th |
| Total assets | $2.1B | $607.4M |
| Deposits / shares | $1.8B | $520.6M |
| Capital ratio | 9.34% | 13.24% (stronger) |
| Problem loans | 0.29% (stronger) | 0.45% |
| Net charge-offs | 0.02% (stronger) | 0.38% |
| Return on assets | 1.34% | 1.48% (stronger) |
| Loans ÷ deposits | 93.8% | 76.0% (stronger) |
| Uninsured deposits | 34.3% | 6.4% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.8% | — |
Financial Plus Credit Union has the higher TellerScore (84 vs 66). On the 7 directional measures above (where higher or lower is clearly better), American Commercial Bank & Trust, National Association leads on 2 and Financial Plus Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.