Side-by-side · Q2 2026 data
CCB Community Bank vs Covington Schools Federal Credit Union
Credit union
Covington Schools Federal Credit Union
Andalusia, Alabama · Under $100 million in assets
Metric by metric
| Measure | CCB Community Bank | Covington Schools Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 54 |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 94 (stronger) | 0 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 85 |
| Peer percentile | 75th | 13th |
| Total assets | $661.9M | $22.4M |
| Deposits / shares | $592.5M | $15.2M |
| Capital ratio | 10.53% | 31.62% (stronger) |
| Problem loans | 0.19% (stronger) | 6.12% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.34% (stronger) | -7.81% |
| Loans ÷ deposits | 85.1% | 52.5% (stronger) |
| Uninsured deposits | 25.2% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | — |
CCB Community Bank has the higher TellerScore (79 vs 54). On the 7 directional measures above (where higher or lower is clearly better), CCB Community Bank leads on 3 and Covington Schools Federal Credit Union on 4. 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.