Side-by-side · Q2 2026 data
Central State Bank vs America'S First Federal Credit Union
Credit union
America'S First Federal Credit Union
Birmingham, Alabama · $1 billion – $10 billion
Metric by metric
| Measure | Central State Bank | America'S First Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 74 |
| Capital cushion | 40 | 73 (stronger) |
| Loan quality | 95 (stronger) | 74 |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 55 | 69 (stronger) |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 57th | 72nd |
| Total assets | $890.7M | $2.8B |
| Deposits / shares | $810.3M | $2.4B |
| Capital ratio | 8.98% | 12.25% (stronger) |
| Problem loans | 0.16% (stronger) | 0.77% |
| Net charge-offs | 0.22% (stronger) | 0.51% |
| Return on assets | 2.01% (stronger) | 1.24% |
| Loans ÷ deposits | 68.0% (stronger) | 90.9% |
| Uninsured deposits | 48.5% | 5.3% (stronger) |
| Offices | 7 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Central State Bank leads on 4 and America'S First Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.