Side-by-side · Q2 2026 data
Alabama State Employees Credit Union vs Max Credit Union
Credit union
Alabama State Employees Credit Union
Montgomery, Alabama · $100 million – $1 billion
Metric by metric
| Measure | Alabama State Employees Credit Union | Max Credit Union |
|---|---|---|
| TellerScore | 80 | 89 (stronger) |
| Capital cushion | 70 | 95 (stronger) |
| Loan quality | 90 (stronger) | 77 |
| Earnings | 57 | 84 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 78th | 97th |
| Total assets | $471.2M | $2.4B |
| Deposits / shares | $416.6M | $2.1B |
| Capital ratio | 12.01% | 14.52% (stronger) |
| Problem loans | 0.31% (stronger) | 0.68% |
| Net charge-offs | 0.56% | 0.45% (stronger) |
| Return on assets | 0.93% | 1.60% (stronger) |
| Loans ÷ deposits | 57.2% | 56.2% (stronger) |
| Uninsured deposits | 3.4% (stronger) | 8.0% |
| Offices | 8 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | 27.0% |
Max Credit Union has the higher TellerScore (89 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Alabama State Employees Credit Union leads on 2 and Max Credit Union on 5. 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.
Where both have branches
- Montgomery, AL
- Millbrook, AL
- Prattville, AL
- Wetumpka, AL