Side-by-side · Q2 2026 data
American State Bank vs Eastman Credit Union
Metric by metric
| Measure | American State Bank | Eastman Credit Union |
|---|---|---|
| TellerScore | 44 | 91 (stronger) |
| Capital cushion | 59 | 99 (stronger) |
| Loan quality | 32 | 90 (stronger) |
| Earnings | 23 | 98 (stronger) |
| Funding & liquidity | 54 | 67 (stronger) |
| Problem-loan coverage | 58 | 96 (stronger) |
| Peer percentile | 4th | 96th |
| Total assets | $637.8M | $10.2B |
| Deposits / shares | $535.5M | $8.6B |
| Capital ratio | 10.91% | 14.87% (stronger) |
| Problem loans | 2.03% | 0.31% (stronger) |
| Net charge-offs | 0.92% | 0.38% (stronger) |
| Return on assets | 0.08% | 1.95% (stronger) |
| Loans ÷ deposits | 84.4% (stronger) | 93.2% |
| Uninsured deposits | 34.9% | 12.7% (stronger) |
| Offices | 5 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.9% |
Eastman Credit Union has the higher TellerScore (91 vs 44). On the 7 directional measures above (where higher or lower is clearly better), American State Bank leads on 1 and Eastman Credit Union on 6. 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.