Side-by-side · Q2 2026 data
CIBC National Trust Company vs Excel Federal Credit Union
Metric by metric
| Measure | CIBC National Trust Company | Excel Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 100 (stronger) | 83 |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 54 | 61 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 98th | 76th |
| Total assets | $412.8M | $174.0M |
| Deposits / shares | $550K | $113.8M |
| Capital ratio | 59.61% (stronger) | 13.60% |
| Problem loans | 0.00% (stronger) | 0.50% |
| Net charge-offs | 0.00% (stronger) | 0.14% |
| Return on assets | 13.72% (stronger) | 1.16% |
| Loans ÷ deposits | 0.0% (stronger) | 99.2% |
| Uninsured deposits | 56.4% | 4.2% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | — |
CIBC National Trust Company has the higher TellerScore (93 vs 79). On the 7 directional measures above (where higher or lower is clearly better), CIBC National Trust Company leads on 6 and Excel Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.