Side-by-side · Q2 2026 data
Alabama Central Credit Union vs Alatrust Credit Union
Metric by metric
| Measure | Alabama Central Credit Union | Alatrust Credit Union |
|---|---|---|
| TellerScore | 69 | 75 (stronger) |
| Capital cushion | 46 | 90 (stronger) |
| Loan quality | 85 (stronger) | 43 |
| Earnings | 58 | 70 (stronger) |
| Funding & liquidity | 87 | 97 (stronger) |
| Problem-loan coverage | 94 (stronger) | 85 |
| Peer percentile | 48th | 66th |
| Total assets | $214.0M | $224.0M |
| Deposits / shares | $192.6M | $197.8M |
| Capital ratio | 9.64% | 13.97% (stronger) |
| Problem loans | 0.44% (stronger) | 1.72% |
| Net charge-offs | 0.05% (stronger) | 0.23% |
| Return on assets | 0.94% | 1.25% (stronger) |
| Loans ÷ deposits | 73.4% | 63.3% (stronger) |
| Uninsured deposits | 3.8% (stronger) | 7.8% |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 51.5% |
Alatrust Credit Union has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Alabama Central Credit Union leads on 3 and Alatrust Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.