Side-by-side · Q2 2026 data
American Continental Bank vs Santa Ana Federal Credit Union
Credit union
Santa Ana Federal Credit Union
Santa Ana, California · $100 million – $1 billion
Metric by metric
| Measure | American Continental Bank | Santa Ana Federal Credit Union |
|---|---|---|
| TellerScore | 87 | 90 (stronger) |
| Capital cushion | 100 (stronger) | 85 |
| Loan quality | 88 | 98 (stronger) |
| Earnings | 80 | 81 (stronger) |
| Funding & liquidity | 59 | 90 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 91st | 95th |
| Total assets | $385.3M | $111.6M |
| Deposits / shares | $316.7M | $95.7M |
| Capital ratio | 16.23% (stronger) | 13.47% |
| Problem loans | 0.37% | 0.06% (stronger) |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 1.49% | 1.52% (stronger) |
| Loans ÷ deposits | 89.2% | 70.6% (stronger) |
| Uninsured deposits | 25.8% | 4.3% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.4% | — |
Santa Ana Federal Credit Union has the higher TellerScore (90 vs 87). On the 7 directional measures above (where higher or lower is clearly better), American Continental Bank leads on 1 and Santa Ana Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.