Side-by-side · Q2 2026 data
American Community Bank vs Suffolk Federal Credit Union
Metric by metric
| Measure | American Community Bank | Suffolk Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 61 |
| Capital cushion | 84 (stronger) | 35 |
| Loan quality | 100 (stronger) | 83 |
| Earnings | 65 (stronger) | 41 |
| Funding & liquidity | 32 | 82 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 72nd | 27th |
| Total assets | $306.5M | $2.1B |
| Deposits / shares | $249.4M | $1.8B |
| Capital ratio | 13.37% (stronger) | 8.54% |
| Problem loans | 0.00% (stronger) | 0.52% |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | 1.12% (stronger) | 0.52% |
| Loans ÷ deposits | 99.2% | 78.5% (stronger) |
| Uninsured deposits | 41.3% | 8.2% (stronger) |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
American Community Bank has the higher TellerScore (78 vs 61). On the 7 directional measures above (where higher or lower is clearly better), American Community Bank leads on 5 and Suffolk 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.