Side-by-side · Q2 2026 data
American Pride Bank vs Emergency Responders Credit Union
Credit union
Emergency Responders Credit Union
Winston Salem, North Carolina · Under $100 million in assets
Metric by metric
| Measure | American Pride Bank | Emergency Responders Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 57 |
| Capital cushion | 91 (stronger) | 31 |
| Loan quality | 100 (stronger) | 72 |
| Earnings | 41 | 50 (stronger) |
| Funding & liquidity | 44 | 73 (stronger) |
| Problem-loan coverage | 100 (stronger) | 84 |
| Peer percentile | 83rd | 17th |
| Total assets | $1.0B | $30.2M |
| Deposits / shares | $889.9M | $27.5M |
| Capital ratio | 14.08% (stronger) | 8.12% |
| Problem loans | 0.00% (stronger) | 0.84% |
| Net charge-offs | 0.01% (stronger) | 1.96% |
| Return on assets | 0.52% | 0.75% (stronger) |
| Loans ÷ deposits | 80.2% (stronger) | 87.4% |
| Uninsured deposits | 47.8% | 11.3% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | — |
American Pride Bank has the higher TellerScore (77 vs 57). On the 7 directional measures above (where higher or lower is clearly better), American Pride Bank leads on 5 and Emergency Responders 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.