Side-by-side · Q2 2026 data
First American Bank and Trust vs LA Terre Federal Credit Union
Credit union
LA Terre Federal Credit Union
Houma, Louisiana · Under $100 million in assets
Metric by metric
| Measure | First American Bank and Trust | LA Terre Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 40 |
| Capital cushion | 88 (stronger) | 17 |
| Loan quality | 57 (stronger) | 44 |
| Earnings | 65 (stronger) | 41 |
| Funding & liquidity | 72 | 73 (stronger) |
| Problem-loan coverage | 87 (stronger) | 49 |
| Peer percentile | 70th | 3rd |
| Total assets | $1.4B | $25.4M |
| Deposits / shares | $1.2B | $23.8M |
| Capital ratio | 13.81% (stronger) | 6.65% |
| Problem loans | 1.28% (stronger) | 1.68% |
| Net charge-offs | 0.32% | 0.31% (stronger) |
| Return on assets | 1.11% (stronger) | 0.52% |
| Loans ÷ deposits | 69.5% (stronger) | 87.5% |
| Uninsured deposits | 32.1% | 0.3% (stronger) |
| Offices | 25 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.0% | — |
First American Bank and Trust has the higher TellerScore (73 vs 40). On the 7 directional measures above (where higher or lower is clearly better), First American Bank and Trust leads on 5 and LA Terre Federal Credit Union on 2. 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.