Side-by-side · Q2 2026 data
First American Bank vs Sandia Area Federal Credit Union
Credit union
Sandia Area Federal Credit Union
Albuquerque, New Mexico · $1 billion – $10 billion
Metric by metric
| Measure | First American Bank | Sandia Area Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 75 |
| Capital cushion | 68 (stronger) | 64 |
| Loan quality | 82 | 95 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 63 (stronger) | 60 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 90th | 75th |
| Total assets | $1.9B | $1.4B |
| Deposits / shares | $1.6B | $1.3B |
| Capital ratio | 11.79% (stronger) | 11.44% |
| Problem loans | 0.53% | 0.15% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 2.89% (stronger) | 1.21% |
| Loans ÷ deposits | 70.3% (stronger) | 99.8% |
| Uninsured deposits | 38.8% | 13.6% (stronger) |
| Offices | 19 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | — |
First American Bank has the higher TellerScore (80 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First American Bank leads on 5 and Sandia Area Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.