Side-by-side · Q2 2026 data
Bank Independent vs Lauderdale County Teachers Credit Union
Credit union
Lauderdale County Teachers Credit Union
Florence, Alabama · Under $100 million in assets
Metric by metric
| Measure | Bank Independent | Lauderdale County Teachers Credit Union |
|---|---|---|
| TellerScore | 65 | 90 (stronger) |
| Capital cushion | 48 | 78 (stronger) |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 45 | 83 (stronger) |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 36th | 89th |
| Total assets | $2.9B | $38.5M |
| Deposits / shares | $2.5B | $33.3M |
| Capital ratio | 9.82% | 12.80% (stronger) |
| Problem loans | 0.22% | 0.00% (stronger) |
| Net charge-offs | 0.24% | 0.04% (stronger) |
| Return on assets | 0.63% | 1.57% (stronger) |
| Loans ÷ deposits | 74.4% | 37.3% (stronger) |
| Uninsured deposits | 42.9% | 2.9% (stronger) |
| Offices | 30 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lauderdale County Teachers Credit Union has the higher TellerScore (90 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Bank Independent leads on 0 and Lauderdale County Teachers Credit Union on 7. 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.