Side-by-side · Q2 2026 data
Encore Bank vs Arkansas Health Center Federal Credit Union
Credit union
Arkansas Health Center Federal Credit Union
Benton, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Encore Bank | Arkansas Health Center Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 91 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 94 (stronger) | 87 |
| Earnings | 35 | 79 (stronger) |
| Funding & liquidity | 53 | 93 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 24th | 90th |
| Total assets | $3.7B | $9.8M |
| Deposits / shares | $3.4B | $8.1M |
| Capital ratio | 9.43% | 16.95% (stronger) |
| Problem loans | 0.17% (stronger) | 0.38% |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 0.37% | 1.47% (stronger) |
| Loans ÷ deposits | 80.1% | 67.0% (stronger) |
| Uninsured deposits | 39.8% | 0.0% (stronger) |
| Offices | 16 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.6% | — |
Arkansas Health Center Federal Credit Union has the higher TellerScore (91 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Encore Bank leads on 1 and Arkansas Health Center Federal Credit Union on 6. 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.