Side-by-side · Q2 2026 data
Alabama State Employees Credit Union vs Winsouth Credit Union
Credit union
Alabama State Employees Credit Union
Montgomery, Alabama · $100 million – $1 billion
Metric by metric
| Measure | Alabama State Employees Credit Union | Winsouth Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 68 |
| Capital cushion | 70 (stronger) | 54 |
| Loan quality | 90 (stronger) | 78 |
| Earnings | 57 (stronger) | 50 |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 78th | 45th |
| Total assets | $471.2M | $479.4M |
| Deposits / shares | $416.6M | $438.7M |
| Capital ratio | 12.01% (stronger) | 10.41% |
| Problem loans | 0.31% (stronger) | 0.65% |
| Net charge-offs | 0.56% (stronger) | 0.62% |
| Return on assets | 0.93% (stronger) | 0.74% |
| Loans ÷ deposits | 57.2% (stronger) | 69.6% |
| Uninsured deposits | 3.4% (stronger) | 8.2% |
| Offices | 8 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | 39.4% |
Alabama State Employees Credit Union has the higher TellerScore (80 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Alabama State Employees Credit Union leads on 7 and Winsouth Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.