Side-by-side · Q2 2026 data
American Community Bank vs N Y Team Federal Credit Union
Credit union
N Y Team Federal Credit Union
Ronkonkoma, New York · Under $100 million in assets
Metric by metric
| Measure | American Community Bank | N Y Team Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 55 |
| Capital cushion | 84 (stronger) | 21 |
| Loan quality | 100 (stronger) | 71 |
| Earnings | 65 (stronger) | 49 |
| Funding & liquidity | 32 | 87 (stronger) |
| Problem-loan coverage | 100 (stronger) | 83 |
| Peer percentile | 72nd | 15th |
| Total assets | $306.5M | $43.5M |
| Deposits / shares | $249.4M | $40.5M |
| Capital ratio | 13.37% (stronger) | 7.12% |
| Problem loans | 0.00% (stronger) | 0.87% |
| Net charge-offs | 0.00% (stronger) | 0.77% |
| Return on assets | 1.12% (stronger) | 0.72% |
| Loans ÷ deposits | 99.2% | 73.7% (stronger) |
| Uninsured deposits | 41.3% | 1.8% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
American Community Bank has the higher TellerScore (78 vs 55). On the 7 directional measures above (where higher or lower is clearly better), American Community Bank leads on 5 and N Y Team Federal Credit Union on 2. 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.