Side-by-side · Q2 2026 data
American Continental Bank vs Vida Federal Credit Union
Metric by metric
| Measure | American Continental Bank | Vida Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 83 |
| Capital cushion | 100 (stronger) | 88 |
| Loan quality | 88 | 96 (stronger) |
| Earnings | 80 (stronger) | 39 |
| Funding & liquidity | 59 | 100 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 91st | 83rd |
| Total assets | $385.3M | $174.6M |
| Deposits / shares | $316.7M | $150.4M |
| Capital ratio | 16.23% (stronger) | 13.75% |
| Problem loans | 0.37% | 0.13% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.34% |
| Return on assets | 1.49% (stronger) | 0.49% |
| Loans ÷ deposits | 89.2% | 59.0% (stronger) |
| Uninsured deposits | 25.8% | 5.5% (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 83). On the 7 directional measures above (where higher or lower is clearly better), American Continental Bank leads on 4 and Vida Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.