Side-by-side · Q2 2026 data
BHM Bank vs Acipco Federal Credit Union
Metric by metric
| Measure | BHM Bank | Acipco Federal Credit Union |
|---|---|---|
| TellerScore | 40 | 94 (stronger) |
| Capital cushion | 86 | 94 (stronger) |
| Loan quality | 0 | 93 (stronger) |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 85 | 87 (stronger) |
| Problem-loan coverage | 17 | 98 (stronger) |
| Peer percentile | 4th | 98th |
| Total assets | $17.4M | $221.5M |
| Deposits / shares | $14.2M | $191.3M |
| Capital ratio | 13.61% | 14.37% (stronger) |
| Problem loans | 9.48% | 0.21% (stronger) |
| Net charge-offs | 0.48% | 0.03% (stronger) |
| Return on assets | -3.95% | 2.15% (stronger) |
| Loans ÷ deposits | 73.3% | 73.2% (stronger) |
| Uninsured deposits | 16.3% | 3.8% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.2% |
Acipco Federal Credit Union has the higher TellerScore (94 vs 40). On the 7 directional measures above (where higher or lower is clearly better), BHM Bank leads on 0 and Acipco Federal 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.