Side-by-side · Q2 2026 data
Coosa Pines Federal Credit Union vs L&n Employees Credit Union
Credit union
Coosa Pines Federal Credit Union
Childersburg, Alabama · $100 million – $1 billion
Credit union
L&n Employees Credit Union
Birmingham, Alabama · Under $100 million in assets
Metric by metric
| Measure | Coosa Pines Federal Credit Union | L&n Employees Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 52 |
| Capital cushion | 100 | 100 |
| Loan quality | 71 (stronger) | 0 |
| Earnings | 91 (stronger) | 0 |
| Funding & liquidity | 88 | 98 (stronger) |
| Problem-loan coverage | 93 (stronger) | 68 |
| Peer percentile | 92nd | 11th |
| Total assets | $420.8M | $8.3M |
| Deposits / shares | $356.6M | $7.0M |
| Capital ratio | 16.20% | 18.19% (stronger) |
| Problem loans | 0.87% (stronger) | 5.29% |
| Net charge-offs | 0.70% | -0.03% (stronger) |
| Return on assets | 1.77% (stronger) | -2.04% |
| Loans ÷ deposits | 72.3% | 62.1% (stronger) |
| Uninsured deposits | 7.3% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | — |
Coosa Pines Federal Credit Union has the higher TellerScore (88 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Coosa Pines Federal Credit Union leads on 3 and L&n Employees 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.