Side-by-side · Q2 2026 data
America'S First Federal Credit Union vs Alabama Credit Union
Credit union
America'S First Federal Credit Union
Birmingham, Alabama · $1 billion – $10 billion
Metric by metric
| Measure | America'S First Federal Credit Union | Alabama Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 60 |
| Capital cushion | 73 (stronger) | 49 |
| Loan quality | 74 (stronger) | 73 |
| Earnings | 70 (stronger) | 35 |
| Funding & liquidity | 69 | 75 (stronger) |
| Problem-loan coverage | 90 (stronger) | 86 |
| Peer percentile | 72nd | 25th |
| Total assets | $2.8B | $2.1B |
| Deposits / shares | $2.4B | $1.8B |
| Capital ratio | 12.25% (stronger) | 9.91% |
| Problem loans | 0.77% (stronger) | 0.80% |
| Net charge-offs | 0.51% (stronger) | 0.90% |
| Return on assets | 1.24% (stronger) | 0.37% |
| Loans ÷ deposits | 90.9% | 85.3% (stronger) |
| Uninsured deposits | 5.3% (stronger) | 7.1% |
| Offices | 17 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.1% |
America'S First Federal Credit Union has the higher TellerScore (74 vs 60). On the 7 directional measures above (where higher or lower is clearly better), America'S First Federal Credit Union leads on 6 and Alabama Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.