Side-by-side · Q2 2026 data
Avana Bank vs Abilene Teachers Federal Credit Union
Credit union
Abilene Teachers Federal Credit Union
Abilene, Texas · $100 million – $1 billion
Metric by metric
| Measure | Avana Bank | Abilene Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 95 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 3 | 100 (stronger) |
| Funding & liquidity | 89 (stronger) | 84 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 63rd | 98th |
| Total assets | $39.6M | $690.4M |
| Deposits / shares | $30.6M | $547.0M |
| Capital ratio | 17.52% | 18.82% (stronger) |
| Problem loans | 0.00% (stronger) | 0.31% |
| Net charge-offs | 0.00% (stronger) | 0.32% |
| Return on assets | -0.42% | 2.56% (stronger) |
| Loans ÷ deposits | 46.3% (stronger) | 75.9% |
| Uninsured deposits | 25.4% | 5.0% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.4% |
Abilene Teachers Federal Credit Union has the higher TellerScore (95 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Avana Bank leads on 3 and Abilene Teachers Federal Credit Union on 4. 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.