Side-by-side · Q2 2026 data
AmeriFirst Bank vs Alabama State Employees Credit Union
Credit union
Alabama State Employees Credit Union
Montgomery, Alabama · $100 million – $1 billion
Metric by metric
| Measure | AmeriFirst Bank | Alabama State Employees Credit Union |
|---|---|---|
| TellerScore | 69 | 80 (stronger) |
| Capital cushion | 47 | 70 (stronger) |
| Loan quality | 94 (stronger) | 90 |
| Earnings | 69 (stronger) | 57 |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 90 | 97 (stronger) |
| Peer percentile | 40th | 78th |
| Total assets | $364.1M | $471.2M |
| Deposits / shares | $325.1M | $416.6M |
| Capital ratio | 9.66% | 12.01% (stronger) |
| Problem loans | 0.19% (stronger) | 0.31% |
| Net charge-offs | 0.09% (stronger) | 0.56% |
| Return on assets | 1.23% (stronger) | 0.93% |
| Loans ÷ deposits | 85.3% | 57.2% (stronger) |
| Uninsured deposits | 28.0% | 3.4% (stronger) |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | 0.9% |
Alabama State Employees Credit Union has the higher TellerScore (80 vs 69). On the 7 directional measures above (where higher or lower is clearly better), AmeriFirst Bank leads on 3 and Alabama State Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.