Side-by-side · Q2 2026 data
American Interstate Bank vs Four Points Federal Credit Union
Metric by metric
| Measure | American Interstate Bank | Four Points Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 33 |
| Capital cushion | 100 (stronger) | 0 |
| Loan quality | 100 (stronger) | 59 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 55 | 83 (stronger) |
| Problem-loan coverage | 100 (stronger) | 55 |
| Peer percentile | 98th | 1st |
| Total assets | $132.0M | $165.5M |
| Deposits / shares | $105.3M | $132.2M |
| Capital ratio | 20.06% (stronger) | 3.57% |
| Problem loans | 0.00% (stronger) | 1.24% |
| Net charge-offs | 0.00% (stronger) | 6.04% |
| Return on assets | 3.61% (stronger) | -7.07% |
| Loans ÷ deposits | 68.6% (stronger) | 77.6% |
| Uninsured deposits | 48.2% | 6.8% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
American Interstate Bank has the higher TellerScore (93 vs 33). On the 7 directional measures above (where higher or lower is clearly better), American Interstate Bank leads on 6 and Four Points Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.