Side-by-side · Q2 2026 data
Independence Bank vs Acme Federal Credit Union
Metric by metric
| Measure | Independence Bank | Acme Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 88 (stronger) |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 91 | 94 (stronger) |
| Earnings | 55 (stronger) | 48 |
| Funding & liquidity | 59 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 80th | 85th |
| Total assets | $191.2M | $15.2M |
| Deposits / shares | $161.6M | $12.2M |
| Capital ratio | 14.46% | 18.94% (stronger) |
| Problem loans | 0.26% | 0.18% (stronger) |
| Net charge-offs | 0.49% | 0.33% (stronger) |
| Return on assets | 0.87% (stronger) | 0.69% |
| Loans ÷ deposits | 62.1% | 36.8% (stronger) |
| Uninsured deposits | 50.5% | 14.9% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Acme Federal Credit Union has the higher TellerScore (88 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Independence Bank leads on 1 and Acme 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.