Side-by-side · Q2 2026 data
Aod Federal Credit Union vs Alabama State Employees Credit Union
Credit union
Alabama State Employees Credit Union
Montgomery, Alabama · $100 million – $1 billion
Metric by metric
| Measure | Aod Federal Credit Union | Alabama State Employees Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 70 |
| Loan quality | 82 | 90 (stronger) |
| Earnings | 72 (stronger) | 57 |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 94th | 78th |
| Total assets | $466.7M | $471.2M |
| Deposits / shares | $395.2M | $416.6M |
| Capital ratio | 16.36% (stronger) | 12.01% |
| Problem loans | 0.53% | 0.31% (stronger) |
| Net charge-offs | 0.58% | 0.56% (stronger) |
| Return on assets | 1.30% (stronger) | 0.93% |
| Loans ÷ deposits | 63.9% | 57.2% (stronger) |
| Uninsured deposits | 4.6% | 3.4% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | 0.9% |
Aod Federal Credit Union has the higher TellerScore (89 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Aod Federal Credit Union 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.