Side-by-side · Q2 2026 data
ESB Bank vs Altra Federal Credit Union
Metric by metric
| Measure | ESB Bank | Altra Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 78 (stronger) |
| Capital cushion | 42 | 77 (stronger) |
| Loan quality | 71 | 85 (stronger) |
| Earnings | 82 | 86 (stronger) |
| Funding & liquidity | 70 (stronger) | 50 |
| Problem-loan coverage | 82 | 93 (stronger) |
| Peer percentile | 29th | 84th |
| Total assets | $208.9M | $3.1B |
| Deposits / shares | $179.1M | $2.6B |
| Capital ratio | 9.20% | 12.68% (stronger) |
| Problem loans | 0.87% | 0.46% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.50% |
| Return on assets | 1.54% | 1.66% (stronger) |
| Loans ÷ deposits | 90.7% (stronger) | 109.8% |
| Uninsured deposits | 13.8% (stronger) | 14.2% |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.3% |
Altra Federal Credit Union has the higher TellerScore (78 vs 65). On the 7 directional measures above (where higher or lower is clearly better), ESB Bank leads on 3 and Altra 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.
Where both have branches
- La Crescent, MN