Side-by-side · Q2 2026 data
Community Spirit Bank vs Alabama Central Credit Union
Metric by metric
| Measure | Community Spirit Bank | Alabama Central Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 69 |
| Capital cushion | 47 (stronger) | 46 |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 75 (stronger) | 58 |
| Funding & liquidity | 84 | 87 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 68th | 48th |
| Total assets | $228.8M | $214.0M |
| Deposits / shares | $205.7M | $192.6M |
| Capital ratio | 9.73% (stronger) | 9.64% |
| Problem loans | 0.00% (stronger) | 0.44% |
| Net charge-offs | 0.34% | 0.05% (stronger) |
| Return on assets | 1.39% (stronger) | 0.94% |
| Loans ÷ deposits | 72.5% (stronger) | 73.4% |
| Uninsured deposits | 18.0% | 3.8% (stronger) |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community Spirit Bank has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Community Spirit Bank leads on 5 and Alabama Central Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.