Side-by-side · Q2 2026 data
Andalusia Mills Employees Credit As Federal Credit Union vs Opp-Micolas Credit Union
Credit union
Andalusia Mills Employees Credit As Federal Credit Union
Andalusia, Alabama · Under $100 million in assets
Metric by metric
| Measure | Andalusia Mills Employees Credit As Federal Credit Union | Opp-Micolas Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 67 |
| Capital cushion | 100 | 100 |
| Loan quality | 88 (stronger) | 51 |
| Earnings | 52 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 83rd | 34th |
| Total assets | $3.2M | $10.4M |
| Deposits / shares | $2.5M | $7.8M |
| Capital ratio | 20.50% | 25.17% (stronger) |
| Problem loans | 0.35% (stronger) | 1.46% |
| Net charge-offs | 0.06% | -0.03% (stronger) |
| Return on assets | 0.80% (stronger) | -0.58% |
| Loans ÷ deposits | 33.4% | 31.9% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 1.1% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Andalusia Mills Employees Credit As Federal Credit Union has the higher TellerScore (87 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Andalusia Mills Employees Credit As Federal Credit Union leads on 4 and Opp-Micolas Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.