Side-by-side · Q2 2026 data
Capital City Bank vs East Alabama Community Federal Credit Union
Credit union
East Alabama Community Federal Credit Union
Opelika, Alabama · Under $100 million in assets
Metric by metric
| Measure | Capital City Bank | East Alabama Community Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 84 (stronger) |
| Capital cushion | 53 | 92 (stronger) |
| Loan quality | 87 | 100 (stronger) |
| Earnings | 81 (stronger) | 34 |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 66th | 75th |
| Total assets | $4.4B | $20.8M |
| Deposits / shares | $3.8B | $17.8M |
| Capital ratio | 10.29% | 14.19% (stronger) |
| Problem loans | 0.40% | 0.00% (stronger) |
| Net charge-offs | 0.12% | 0.07% (stronger) |
| Return on assets | 1.52% (stronger) | 0.36% |
| Loans ÷ deposits | 65.6% | 33.4% (stronger) |
| Uninsured deposits | 47.8% | 2.0% (stronger) |
| Offices | 59 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.0% | — |
East Alabama Community Federal Credit Union has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Capital City Bank leads on 1 and East Alabama Community Federal Credit Union on 6. 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.