Side-by-side · Q2 2026 data
American Community Bank vs Scf Westchester N. Y. Employees Federal Credit Union
Credit union
Scf Westchester N. Y. Employees Federal Credit Union
White Plains, New York · Under $100 million in assets
Metric by metric
| Measure | American Community Bank | Scf Westchester N. Y. Employees Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 93 (stronger) |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 65 | 70 (stronger) |
| Funding & liquidity | 32 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 72nd | 94th |
| Total assets | $306.5M | $1.5M |
| Deposits / shares | $249.4M | $1.2M |
| Capital ratio | 13.37% | 23.76% (stronger) |
| Problem loans | 0.00% (stronger) | 0.18% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.12% | 1.26% (stronger) |
| Loans ÷ deposits | 99.2% | 36.6% (stronger) |
| Uninsured deposits | 41.3% | 0.0% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Scf Westchester N. Y. Employees Federal Credit Union has the higher TellerScore (93 vs 78). On the 7 directional measures above (where higher or lower is clearly better), American Community Bank leads on 1 and Scf Westchester N. Y. Employees Federal Credit Union on 6. 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.