Side-by-side · Q2 2026 data
AMG National Trust Bank vs Options Credit Union
Metric by metric
| Measure | AMG National Trust Bank | Options Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 41 |
| Capital cushion | 100 (stronger) | 20 |
| Loan quality | 99 (stronger) | 60 |
| Earnings | 100 (stronger) | 17 |
| Funding & liquidity | 63 (stronger) | 62 |
| Problem-loan coverage | 100 (stronger) | 71 |
| Peer percentile | 98th | 3rd |
| Total assets | $722.9M | $5.5M |
| Deposits / shares | $591.6M | $5.0M |
| Capital ratio | 15.37% (stronger) | 7.02% |
| Problem loans | 0.04% (stronger) | 1.20% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 2.42% (stronger) | -0.06% |
| Loans ÷ deposits | 46.1% (stronger) | 98.3% |
| Uninsured deposits | 48.7% | 2.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
AMG National Trust Bank has the higher TellerScore (94 vs 41). On the 7 directional measures above (where higher or lower is clearly better), AMG National Trust Bank leads on 5 and Options 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.