Side-by-side · Q2 2026 data
American Community Bank & Trust vs Community Trust Credit Union
Metric by metric
| Measure | American Community Bank & Trust | Community Trust Credit Union |
|---|---|---|
| TellerScore | 64 | 82 (stronger) |
| Capital cushion | 56 | 69 (stronger) |
| Loan quality | 67 | 97 (stronger) |
| Earnings | 75 (stronger) | 61 |
| Funding & liquidity | 47 | 100 (stronger) |
| Problem-loan coverage | 88 | 99 (stronger) |
| Peer percentile | 33rd | 82nd |
| Total assets | $1.2B | $336.4M |
| Deposits / shares | $1.0B | $294.2M |
| Capital ratio | 10.61% | 11.94% (stronger) |
| Problem loans | 1.00% | 0.08% (stronger) |
| Net charge-offs | -0.09% (stronger) | 0.10% |
| Return on assets | 1.38% (stronger) | 1.03% |
| Loans ÷ deposits | 77.7% | 47.1% (stronger) |
| Uninsured deposits | 47.2% | 6.6% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | 20.3% |
Community Trust Credit Union has the higher TellerScore (82 vs 64). On the 7 directional measures above (where higher or lower is clearly better), American Community Bank & Trust leads on 2 and Community Trust Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.