Side-by-side · Q2 2026 data
First American Bank vs W T N M Atlantic Federal Credit Union
Credit union
W T N M Atlantic Federal Credit Union
Denver City, Texas · Under $100 million in assets
Metric by metric
| Measure | First American Bank | W T N M Atlantic Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 63 |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 82 (stronger) | 0 |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 63 | 96 (stronger) |
| Problem-loan coverage | 94 (stronger) | 70 |
| Peer percentile | 90th | 26th |
| Total assets | $1.9B | $2.1M |
| Deposits / shares | $1.6B | $1.7M |
| Capital ratio | 11.79% | 21.20% (stronger) |
| Problem loans | 0.53% (stronger) | 6.76% |
| Net charge-offs | 0.00% (stronger) | 0.41% |
| Return on assets | 2.89% (stronger) | 0.91% |
| Loans ÷ deposits | 70.3% | 64.0% (stronger) |
| Uninsured deposits | 38.8% | 0.0% (stronger) |
| Offices | 19 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | — |
First American Bank has the higher TellerScore (80 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First American Bank leads on 4 and W T N M Atlantic Federal Credit Union on 3. 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.