Side-by-side · Q2 2026 data
Responders Emergency Services Credit Union vs American Lake Credit Union
Credit union
Responders Emergency Services Credit Union
Spokane, Washington · Under $100 million in assets
Metric by metric
| Measure | Responders Emergency Services Credit Union | American Lake Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 88 |
| Loan quality | 100 (stronger) | 23 |
| Earnings | 40 (stronger) | 15 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 83rd | 20th |
| Total assets | $56.2M | $59.6M |
| Deposits / shares | $46.3M | $49.0M |
| Capital ratio | 17.32% (stronger) | 13.82% |
| Problem loans | 0.01% (stronger) | 2.30% |
| Net charge-offs | -0.01% (stronger) | 2.75% |
| Return on assets | 0.50% (stronger) | -0.13% |
| Loans ÷ deposits | 69.3% | 48.5% (stronger) |
| Uninsured deposits | 7.1% | 4.5% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Responders Emergency Services Credit Union has the higher TellerScore (87 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Responders Emergency Services Credit Union leads on 5 and American Lake Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.