Side-by-side · Q2 2026 data
Century Bank vs University of South Alabama Federal Credit Union
Credit union
University of South Alabama Federal Credit Union
Mobile, Alabama · Under $100 million in assets
Metric by metric
| Measure | Century Bank | University of South Alabama Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 96 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 80 | 84 (stronger) |
| Earnings | 70 | 100 (stronger) |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 40th | 97th |
| Total assets | $566.2M | $56.2M |
| Deposits / shares | $509.2M | $46.6M |
| Capital ratio | 10.12% | 16.45% (stronger) |
| Problem loans | 0.60% | 0.49% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.16% |
| Return on assets | 1.24% | 2.45% (stronger) |
| Loans ÷ deposits | 76.5% | 51.2% (stronger) |
| Uninsured deposits | 26.0% | 10.5% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.9% | — |
University of South Alabama Federal Credit Union has the higher TellerScore (96 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Century Bank leads on 1 and University of South Alabama 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.