Side-by-side · Q2 2026 data
Central State Bank vs Alabama State Employees Credit Union
Credit union
Alabama State Employees Credit Union
Montgomery, Alabama · $100 million – $1 billion
Metric by metric
| Measure | Central State Bank | Alabama State Employees Credit Union |
|---|---|---|
| TellerScore | 74 | 80 (stronger) |
| Capital cushion | 40 | 70 (stronger) |
| Loan quality | 95 (stronger) | 90 |
| Earnings | 100 (stronger) | 57 |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 57th | 78th |
| Total assets | $890.7M | $471.2M |
| Deposits / shares | $810.3M | $416.6M |
| Capital ratio | 8.98% | 12.01% (stronger) |
| Problem loans | 0.16% (stronger) | 0.31% |
| Net charge-offs | 0.22% (stronger) | 0.56% |
| Return on assets | 2.01% (stronger) | 0.93% |
| Loans ÷ deposits | 68.0% | 57.2% (stronger) |
| Uninsured deposits | 48.5% | 3.4% (stronger) |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.9% |
Alabama State Employees Credit Union has the higher TellerScore (80 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 3 and Alabama State Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.