Side-by-side · Q2 2026 data
Alabama State Employees Credit Union vs Emblem Credit Union
Credit union
Alabama State Employees Credit Union
Montgomery, Alabama · $100 million – $1 billion
Metric by metric
| Measure | Alabama State Employees Credit Union | Emblem Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 72 |
| Capital cushion | 70 (stronger) | 63 |
| Loan quality | 90 (stronger) | 79 |
| Earnings | 57 | 66 (stronger) |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 78th | 57th |
| Total assets | $471.2M | $627.6M |
| Deposits / shares | $416.6M | $558.3M |
| Capital ratio | 12.01% (stronger) | 11.29% |
| Problem loans | 0.31% (stronger) | 0.63% |
| Net charge-offs | 0.56% | 0.23% (stronger) |
| Return on assets | 0.93% | 1.15% (stronger) |
| Loans ÷ deposits | 57.2% (stronger) | 86.0% |
| Uninsured deposits | 3.4% (stronger) | 11.0% |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | 28.7% |
Alabama State Employees Credit Union has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Alabama State Employees Credit Union leads on 5 and Emblem Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.