Side-by-side · Q2 2026 data
AMG National Trust Bank vs Electrical Federal Credit Union
Metric by metric
| Measure | AMG National Trust Bank | Electrical Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 80 |
| Loan quality | 99 (stronger) | 75 |
| Earnings | 100 (stronger) | 49 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 98th | 57th |
| Total assets | $722.9M | $54.3M |
| Deposits / shares | $591.6M | $47.1M |
| Capital ratio | 15.37% (stronger) | 12.99% |
| Problem loans | 0.04% (stronger) | 0.75% |
| Net charge-offs | 0.00% (stronger) | 0.96% |
| Return on assets | 2.42% (stronger) | 0.73% |
| Loans ÷ deposits | 46.1% (stronger) | 52.5% |
| Uninsured deposits | 48.7% | 4.9% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
AMG National Trust Bank has the higher TellerScore (94 vs 77). On the 7 directional measures above (where higher or lower is clearly better), AMG National Trust Bank leads on 6 and Electrical Federal Credit Union on 1. 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.