Side-by-side · Q2 2026 data
America's Community Bank vs Independence Teachers Credit Union
Credit union
Independence Teachers Credit Union
Independence, Missouri · Under $100 million in assets
Metric by metric
| Measure | America's Community Bank | Independence Teachers Credit Union |
|---|---|---|
| TellerScore | 57 | 92 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 56 | 99 (stronger) |
| Earnings | 84 (stronger) | 60 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 77 | 100 (stronger) |
| Peer percentile | 16th | 92nd |
| Total assets | $64.1M | $16.5M |
| Deposits / shares | $49.5M | $13.9M |
| Capital ratio | 8.69% | 15.52% (stronger) |
| Problem loans | 1.32% | 0.03% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.45% |
| Return on assets | 1.60% (stronger) | 1.00% |
| Loans ÷ deposits | 112.4% | 32.4% (stronger) |
| Uninsured deposits | 10.2% | 1.2% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Independence Teachers Credit Union has the higher TellerScore (92 vs 57). On the 7 directional measures above (where higher or lower is clearly better), America's Community Bank leads on 2 and Independence Teachers Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.