Side-by-side · Q2 2026 data
American Plus Bank, N.A. vs E-Central Credit Union
Metric by metric
| Measure | American Plus Bank, N.A. | E-Central Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 78 |
| Capital cushion | 100 | 100 |
| Loan quality | 99 (stronger) | 74 |
| Earnings | 92 (stronger) | 49 |
| Funding & liquidity | 34 | 76 (stronger) |
| Problem-loan coverage | 97 (stronger) | 83 |
| Peer percentile | 92nd | 74th |
| Total assets | $935.0M | $173.5M |
| Deposits / shares | $748.0M | $130.7M |
| Capital ratio | 16.46% | 23.41% (stronger) |
| Problem loans | 0.04% (stronger) | 0.77% |
| Net charge-offs | 0.00% (stronger) | 0.21% |
| Return on assets | 1.81% (stronger) | 0.72% |
| Loans ÷ deposits | 105.9% | 84.6% (stronger) |
| Uninsured deposits | 33.5% | 6.9% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
American Plus Bank, N.A. has the higher TellerScore (88 vs 78). On the 7 directional measures above (where higher or lower is clearly better), American Plus Bank, N.A. leads on 4 and E-Central Credit Union on 3. 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.