Side-by-side · Q2 2026 data
American Continental Bank vs Inland Valley Federal Credit Union
Credit union
Inland Valley Federal Credit Union
Fontana, California · Under $100 million in assets
Metric by metric
| Measure | American Continental Bank | Inland Valley Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 37 |
| Loan quality | 88 | 94 (stronger) |
| Earnings | 80 (stronger) | 29 |
| Funding & liquidity | 59 | 99 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 91st | 30th |
| Total assets | $385.3M | $54.0M |
| Deposits / shares | $316.7M | $49.1M |
| Capital ratio | 16.23% (stronger) | 8.65% |
| Problem loans | 0.37% | 0.18% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.25% |
| Return on assets | 1.49% (stronger) | 0.23% |
| Loans ÷ deposits | 89.2% | 39.7% (stronger) |
| Uninsured deposits | 25.8% | 16.5% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.4% | — |
American Continental Bank has the higher TellerScore (87 vs 65). On the 7 directional measures above (where higher or lower is clearly better), American Continental Bank leads on 4 and Inland Valley Federal Credit Union on 3. 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.