Side-by-side · Q2 2026 data
American Exchange Bank vs Western Sun Federal Credit Union
Credit union
Western Sun Federal Credit Union
Broken Arrow, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | American Exchange Bank | Western Sun Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 73 |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 56 | 76 (stronger) |
| Earnings | 99 (stronger) | 24 |
| Funding & liquidity | 67 (stronger) | 65 |
| Problem-loan coverage | 85 | 94 (stronger) |
| Peer percentile | 72nd | 60th |
| Total assets | $103.7M | $181.5M |
| Deposits / shares | $89.0M | $148.2M |
| Capital ratio | 13.54% | 17.57% (stronger) |
| Problem loans | 1.32% | 0.71% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.69% |
| Return on assets | 1.99% (stronger) | 0.09% |
| Loans ÷ deposits | 84.8% (stronger) | 95.7% |
| Uninsured deposits | 22.6% | 2.7% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.7% | 17.8% |
American Exchange Bank has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), American Exchange Bank leads on 4 and Western Sun Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.