Side-by-side · Q2 2026 data
American Community Bank & Trust vs Florida Customs Federal Credit Union
Metric by metric
| Measure | American Community Bank & Trust | Florida Customs Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 83 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 67 | 87 (stronger) |
| Earnings | 75 (stronger) | 31 |
| Funding & liquidity | 47 | 100 (stronger) |
| Problem-loan coverage | 88 | 99 (stronger) |
| Peer percentile | 33rd | 72nd |
| Total assets | $1.2B | $6.8M |
| Deposits / shares | $1.0B | $4.8M |
| Capital ratio | 10.61% | 26.76% (stronger) |
| Problem loans | 1.00% | 0.40% (stronger) |
| Net charge-offs | -0.09% (stronger) | 0.04% |
| Return on assets | 1.38% (stronger) | 0.27% |
| Loans ÷ deposits | 77.7% | 50.6% (stronger) |
| Uninsured deposits | 47.2% | 0.0% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
Florida Customs Federal Credit Union has the higher TellerScore (83 vs 64). On the 7 directional measures above (where higher or lower is clearly better), American Community Bank & Trust leads on 2 and Florida Customs Federal Credit Union on 5. 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.