Side-by-side · Q2 2026 data
American National Bank & Trust vs Wichita Falls Teachers Federal Credit Union
Credit union
Wichita Falls Teachers Federal Credit Union
Wichita Falls, Texas · $100 million – $1 billion
Metric by metric
| Measure | American National Bank & Trust | Wichita Falls Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 82 (stronger) |
| Capital cushion | 52 | 74 (stronger) |
| Loan quality | 71 | 90 (stronger) |
| Earnings | 59 | 60 (stronger) |
| Funding & liquidity | 48 | 100 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 24th | 82nd |
| Total assets | $2.5B | $115.6M |
| Deposits / shares | $2.2B | $102.3M |
| Capital ratio | 10.18% | 12.42% (stronger) |
| Problem loans | 0.88% | 0.31% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.54% |
| Return on assets | 0.99% | 0.99% (stronger) |
| Loans ÷ deposits | 84.8% | 55.2% (stronger) |
| Uninsured deposits | 39.3% | 6.7% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.4% | 0.0% |
Wichita Falls Teachers Federal Credit Union has the higher TellerScore (82 vs 61). On the 7 directional measures above (where higher or lower is clearly better), American National Bank & Trust leads on 1 and Wichita Falls Teachers Federal Credit Union on 6. 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.