Side-by-side · Q2 2026 data
American Plus Bank, N.A. vs Polam Federal Credit Union
Credit union
Polam Federal Credit Union
Los Angeles, California · Under $100 million in assets
Metric by metric
| Measure | American Plus Bank, N.A. | Polam Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 92 (stronger) | 0 |
| Funding & liquidity | 34 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 92nd | 30th |
| Total assets | $935.0M | $73.2M |
| Deposits / shares | $748.0M | $65.5M |
| Capital ratio | 16.46% (stronger) | 9.86% |
| Problem loans | 0.04% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.24% |
| Return on assets | 1.81% (stronger) | -0.91% |
| Loans ÷ deposits | 105.9% | 54.4% (stronger) |
| Uninsured deposits | 33.5% | 9.2% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
American Plus Bank, N.A. has the higher TellerScore (88 vs 65). On the 7 directional measures above (where higher or lower is clearly better), American Plus Bank, N.A. leads on 4 and Polam Federal 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.