Side-by-side · Q2 2026 data
Asian Pacific National Bank vs Polam Federal Credit Union
Credit union
Polam Federal Credit Union
Los Angeles, California · Under $100 million in assets
Metric by metric
| Measure | Asian Pacific National Bank | Polam Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 100 | 100 |
| Earnings | 56 (stronger) | 0 |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 87th | 30th |
| Total assets | $56.9M | $73.2M |
| Deposits / shares | $45.1M | $65.5M |
| Capital ratio | 20.07% (stronger) | 9.86% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% (stronger) | 0.24% |
| Return on assets | 0.91% (stronger) | -0.91% |
| Loans ÷ deposits | 76.3% | 54.4% (stronger) |
| Uninsured deposits | 8.0% (stronger) | 9.2% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Asian Pacific National Bank has the higher TellerScore (89 vs 65). On the 6 directional measures above (where higher or lower is clearly better), Asian Pacific National Bank leads on 5 and Polam Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.