Side-by-side · Q2 2026 data
American Plus Bank, N.A. vs Torrance Community Federal Credit Union
Credit union
Torrance Community Federal Credit Union
Torrance, California · $100 million – $1 billion
Metric by metric
| Measure | American Plus Bank, N.A. | Torrance Community Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 52 |
| Loan quality | 99 (stronger) | 96 |
| Earnings | 92 (stronger) | 43 |
| Funding & liquidity | 34 | 100 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 92nd | 60th |
| Total assets | $935.0M | $162.9M |
| Deposits / shares | $748.0M | $150.8M |
| Capital ratio | 16.46% (stronger) | 10.15% |
| Problem loans | 0.04% (stronger) | 0.13% |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 1.81% (stronger) | 0.57% |
| Loans ÷ deposits | 105.9% | 46.4% (stronger) |
| Uninsured deposits | 33.5% | 8.5% (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 73). On the 7 directional measures above (where higher or lower is clearly better), American Plus Bank, N.A. leads on 5 and Torrance Community Federal Credit Union on 2. 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.