Side-by-side · Q2 2026 data
American Continental Bank vs U.P.S. Employees Federal Credit Union
Credit union
U.P.S. Employees Federal Credit Union
Ontario, California · Under $100 million in assets
Metric by metric
| Measure | American Continental Bank | U.P.S. Employees Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 61 |
| Capital cushion | 100 (stronger) | 26 |
| Loan quality | 88 | 91 (stronger) |
| Earnings | 80 (stronger) | 40 |
| Funding & liquidity | 59 | 85 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 91st | 23rd |
| Total assets | $385.3M | $51.8M |
| Deposits / shares | $316.7M | $47.5M |
| Capital ratio | 16.23% (stronger) | 7.55% |
| Problem loans | 0.37% | 0.26% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.42% |
| Return on assets | 1.49% (stronger) | 0.51% |
| Loans ÷ deposits | 89.2% | 75.1% (stronger) |
| Uninsured deposits | 25.8% | 1.7% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.4% | — |
American Continental Bank has the higher TellerScore (87 vs 61). On the 7 directional measures above (where higher or lower is clearly better), American Continental Bank leads on 4 and U.P.S. Employees 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.