Side-by-side · Q2 2026 data
American First National Bank vs Chocolate Bayou Community Federal Credit Union
Credit union
Chocolate Bayou Community Federal Credit Union
Alvin, Texas · $100 million – $1 billion
Metric by metric
| Measure | American First National Bank | Chocolate Bayou Community Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 77 |
| Capital cushion | 94 (stronger) | 79 |
| Loan quality | 86 (stronger) | 74 |
| Earnings | 100 (stronger) | 53 |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 90 | 94 (stronger) |
| Peer percentile | 98th | 71st |
| Total assets | $2.9B | $158.1M |
| Deposits / shares | $2.4B | $136.7M |
| Capital ratio | 14.38% (stronger) | 12.87% |
| Problem loans | 0.42% (stronger) | 0.77% |
| Net charge-offs | 0.08% (stronger) | 0.29% |
| Return on assets | 2.13% (stronger) | 0.82% |
| Loans ÷ deposits | 97.8% | 57.0% (stronger) |
| Uninsured deposits | 22.7% | 6.2% (stronger) |
| Offices | 20 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | 54.4% |
American First National Bank has the higher TellerScore (87 vs 77). On the 7 directional measures above (where higher or lower is clearly better), American First National Bank leads on 5 and Chocolate Bayou Community Federal Credit Union on 2. 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.