Side-by-side · Q2 2026 data
Aod Federal Credit Union vs Nrs Community Development Federal Credit Union
Credit union
Nrs Community Development Federal Credit Union
Birmingham, Alabama · Under $100 million in assets
Metric by metric
| Measure | Aod Federal Credit Union | Nrs Community Development Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 21 |
| Capital cushion | 100 (stronger) | 21 |
| Loan quality | 82 (stronger) | 0 |
| Earnings | 72 (stronger) | 0 |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 0 |
| Peer percentile | 94th | 0th |
| Total assets | $466.7M | $1.1M |
| Deposits / shares | $395.2M | $1.0M |
| Capital ratio | 16.36% (stronger) | 7.10% |
| Problem loans | 0.53% (stronger) | 15.99% |
| Net charge-offs | 0.58% (stronger) | 45.22% |
| Return on assets | 1.30% (stronger) | -1.17% |
| Loans ÷ deposits | 63.9% | 39.5% (stronger) |
| Uninsured deposits | 4.6% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | — |
Aod Federal Credit Union has the higher TellerScore (89 vs 21). On the 7 directional measures above (where higher or lower is clearly better), Aod Federal Credit Union leads on 5 and Nrs Community Development Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.