Side-by-side · Q2 2026 data
22nd State Banking Company vs University of South Alabama Federal Credit Union
Credit union
University of South Alabama Federal Credit Union
Mobile, Alabama · Under $100 million in assets
Metric by metric
| Measure | 22nd State Banking Company | University of South Alabama Federal Credit Union |
|---|---|---|
| TellerScore | 41 | 96 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 0 | 84 (stronger) |
| Earnings | 40 | 100 (stronger) |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 62 | 97 (stronger) |
| Peer percentile | 3rd | 97th |
| Total assets | $292.2M | $56.2M |
| Deposits / shares | $241.9M | $46.6M |
| Capital ratio | 11.12% | 16.45% (stronger) |
| Problem loans | 3.39% | 0.49% (stronger) |
| Net charge-offs | 4.31% | 0.16% (stronger) |
| Return on assets | 0.51% | 2.45% (stronger) |
| Loans ÷ deposits | 87.9% | 51.2% (stronger) |
| Uninsured deposits | 30.4% | 10.5% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
University of South Alabama Federal Credit Union has the higher TellerScore (96 vs 41). On the 7 directional measures above (where higher or lower is clearly better), 22nd State Banking Company leads on 0 and University of South Alabama Federal Credit Union on 7. 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.