Side-by-side · Q2 2026 data
American Plus Bank, N.A. vs U.P.S. Employees Federal Credit Union
Credit union
U.P.S. Employees Federal Credit Union
Ontario, California · Under $100 million in assets
Metric by metric
| Measure | American Plus Bank, N.A. | U.P.S. Employees Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 61 |
| Capital cushion | 100 (stronger) | 26 |
| Loan quality | 99 (stronger) | 91 |
| Earnings | 92 (stronger) | 40 |
| Funding & liquidity | 34 | 85 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 92nd | 23rd |
| Total assets | $935.0M | $51.8M |
| Deposits / shares | $748.0M | $47.5M |
| Capital ratio | 16.46% (stronger) | 7.55% |
| Problem loans | 0.04% (stronger) | 0.26% |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | 1.81% (stronger) | 0.51% |
| Loans ÷ deposits | 105.9% | 75.1% (stronger) |
| Uninsured deposits | 33.5% | 1.7% (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 61). On the 7 directional measures above (where higher or lower is clearly better), American Plus Bank, N.A. leads on 5 and U.P.S. Employees 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.