Side-by-side · Q2 2026 data
Bank of Sunset and Trust Company vs Acadian Federal Credit Union
Metric by metric
| Measure | Bank of Sunset and Trust Company | Acadian Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 83 (stronger) |
| Capital cushion | 64 | 69 (stronger) |
| Loan quality | 81 | 99 (stronger) |
| Earnings | 89 (stronger) | 61 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 88 | 99 (stronger) |
| Peer percentile | 64th | 72nd |
| Total assets | $192.3M | $20.9M |
| Deposits / shares | $169.1M | $18.4M |
| Capital ratio | 11.37% | 11.86% (stronger) |
| Problem loans | 0.58% | 0.02% (stronger) |
| Net charge-offs | 0.23% (stronger) | 0.93% |
| Return on assets | 1.73% (stronger) | 1.03% |
| Loans ÷ deposits | 89.5% | 59.3% (stronger) |
| Uninsured deposits | 22.2% | 2.2% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Acadian Federal Credit Union has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Bank of Sunset and Trust Company leads on 2 and Acadian Federal Credit Union on 5. 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.