Side-by-side · Q2 2026 data
Fedmont Federal Credit Union vs Alabama State Employees Credit Union
Credit union
Alabama State Employees Credit Union
Montgomery, Alabama · $100 million – $1 billion
Metric by metric
| Measure | Fedmont Federal Credit Union | Alabama State Employees Credit Union |
|---|---|---|
| TellerScore | 75 | 80 (stronger) |
| Capital cushion | 84 (stronger) | 70 |
| Loan quality | 83 | 90 (stronger) |
| Earnings | 22 | 57 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 52nd | 78th |
| Total assets | $13.0M | $471.2M |
| Deposits / shares | $11.2M | $416.6M |
| Capital ratio | 13.37% (stronger) | 12.01% |
| Problem loans | 0.52% | 0.31% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.56% |
| Return on assets | 0.06% | 0.93% (stronger) |
| Loans ÷ deposits | 36.1% (stronger) | 57.2% |
| Uninsured deposits | 0.0% (stronger) | 3.4% |
| Offices | 1 | 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 75). On the 7 directional measures above (where higher or lower is clearly better), Fedmont Federal Credit Union leads on 4 and Alabama State Employees Credit Union on 3. 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.