Side-by-side · Q2 2026 data
American Heritage National Bank vs St. Cloud Financial Credit Union
Metric by metric
| Measure | American Heritage National Bank | St. Cloud Financial Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 57 |
| Capital cushion | 69 (stronger) | 22 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 74 (stronger) | 42 |
| Funding & liquidity | 60 | 65 (stronger) |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 77th | 14th |
| Total assets | $604.7M | $456.4M |
| Deposits / shares | $523.8M | $399.9M |
| Capital ratio | 11.89% (stronger) | 7.22% |
| Problem loans | 0.00% (stronger) | 0.31% |
| Net charge-offs | -0.00% (stronger) | 0.12% |
| Return on assets | 1.36% (stronger) | 0.55% |
| Loans ÷ deposits | 83.3% (stronger) | 95.5% |
| Uninsured deposits | 29.7% | 4.9% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.4% | — |
American Heritage National Bank has the higher TellerScore (80 vs 57). On the 7 directional measures above (where higher or lower is clearly better), American Heritage National Bank leads on 6 and St. Cloud Financial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.