Side-by-side · Q2 2026 data
Acipco Federal Credit Union vs America'S First Federal Credit Union
Credit union
America'S First Federal Credit Union
Birmingham, Alabama · $1 billion – $10 billion
Metric by metric
| Measure | Acipco Federal Credit Union | America'S First Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 74 |
| Capital cushion | 94 (stronger) | 73 |
| Loan quality | 93 (stronger) | 74 |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 87 (stronger) | 69 |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 98th | 72nd |
| Total assets | $221.5M | $2.8B |
| Deposits / shares | $191.3M | $2.4B |
| Capital ratio | 14.37% (stronger) | 12.25% |
| Problem loans | 0.21% (stronger) | 0.77% |
| Net charge-offs | 0.03% (stronger) | 0.51% |
| Return on assets | 2.15% (stronger) | 1.24% |
| Loans ÷ deposits | 73.2% (stronger) | 90.9% |
| Uninsured deposits | 3.8% (stronger) | 5.3% |
| Offices | 2 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.2% | — |
Acipco Federal Credit Union has the higher TellerScore (94 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Acipco Federal Credit Union leads on 7 and America'S First Federal Credit Union on 0. 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.