Side-by-side · Q2 2026 data
American Exchange Bank vs First Family Federal Credit Union
Credit union
First Family Federal Credit Union
Henryetta, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | American Exchange Bank | First Family Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 68 |
| Capital cushion | 85 (stronger) | 66 |
| Loan quality | 56 | 79 (stronger) |
| Earnings | 99 (stronger) | 41 |
| Funding & liquidity | 67 | 76 (stronger) |
| Problem-loan coverage | 85 | 89 (stronger) |
| Peer percentile | 72nd | 45th |
| Total assets | $103.7M | $154.4M |
| Deposits / shares | $89.0M | $135.5M |
| Capital ratio | 13.54% (stronger) | 11.63% |
| Problem loans | 1.32% | 0.62% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.54% |
| Return on assets | 1.99% (stronger) | 0.52% |
| Loans ÷ deposits | 84.8% | 83.9% (stronger) |
| Uninsured deposits | 22.6% | 1.2% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.7% | — |
American Exchange Bank has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), American Exchange Bank leads on 4 and First Family Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Henryetta, OK