Side-by-side · Q2 2026 data
Ascend Federal Credit Union vs North Alabama Papermakers Federal Credit Union
Credit union
North Alabama Papermakers Federal Credit Union
Stevenson, Alabama · Under $100 million in assets
Metric by metric
| Measure | Ascend Federal Credit Union | North Alabama Papermakers Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 77 |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 68 (stronger) | 0 |
| Funding & liquidity | 70 | 80 (stronger) |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 92nd | 57th |
| Total assets | $4.8B | $2.2M |
| Deposits / shares | $3.9B | $1.6M |
| Capital ratio | 14.55% | 25.47% (stronger) |
| Problem loans | 0.49% | 0.00% (stronger) |
| Net charge-offs | 0.44% | -0.05% (stronger) |
| Return on assets | 1.20% (stronger) | -0.68% |
| Loans ÷ deposits | 90.5% | 79.9% (stronger) |
| Uninsured deposits | 10.1% | 0.0% (stronger) |
| Offices | 27 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.1% | — |
Ascend Federal Credit Union has the higher TellerScore (83 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Ascend Federal Credit Union leads on 2 and North Alabama Papermakers Federal Credit Union on 5. 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.