Side-by-side · Q2 2026 data
American Exchange Bank vs Liberty First Credit Union
Metric by metric
| Measure | American Exchange Bank | Liberty First Credit Union |
|---|---|---|
| TellerScore | 72 | 86 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 67 | 74 (stronger) |
| Earnings | 100 (stronger) | 90 |
| Funding & liquidity | 83 (stronger) | 69 |
| Problem-loan coverage | 87 | 92 (stronger) |
| Peer percentile | 45th | 89th |
| Total assets | $69.7M | $523.4M |
| Deposits / shares | $61.8M | $437.2M |
| Capital ratio | 9.63% | 15.08% (stronger) |
| Problem loans | 0.98% | 0.79% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.26% |
| Return on assets | 2.28% (stronger) | 1.75% |
| Loans ÷ deposits | 77.0% (stronger) | 91.4% |
| Uninsured deposits | 13.0% | 2.2% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.0% |
Liberty First Credit Union has the higher TellerScore (86 vs 72). On the 7 directional measures above (where higher or lower is clearly better), American Exchange Bank leads on 3 and Liberty First Credit Union on 4. 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.