Side-by-side · Q2 2026 data
American Interstate Bank vs Cobalt Federal Credit Union
Metric by metric
| Measure | American Interstate Bank | Cobalt Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 60 |
| Capital cushion | 100 (stronger) | 42 |
| Loan quality | 100 (stronger) | 73 |
| Earnings | 100 (stronger) | 55 |
| Funding & liquidity | 55 | 66 (stronger) |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 98th | 25th |
| Total assets | $132.0M | $1.3B |
| Deposits / shares | $105.3M | $1.1B |
| Capital ratio | 20.06% (stronger) | 9.15% |
| Problem loans | 0.00% (stronger) | 0.80% |
| Net charge-offs | 0.00% (stronger) | 1.00% |
| Return on assets | 3.61% (stronger) | 0.87% |
| Loans ÷ deposits | 68.6% (stronger) | 94.7% |
| Uninsured deposits | 48.2% | 7.2% (stronger) |
| Offices | 2 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
American Interstate Bank has the higher TellerScore (93 vs 60). On the 7 directional measures above (where higher or lower is clearly better), American Interstate Bank leads on 6 and Cobalt Federal Credit Union on 1. 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.