Side-by-side · Q2 2026 data
First Bank of Alabama vs Aod Federal Credit Union
Metric by metric
| Measure | First Bank of Alabama | Aod Federal Credit Union |
|---|---|---|
| TellerScore | 45 | 89 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 0 | 82 (stronger) |
| Earnings | 72 | 72 |
| Funding & liquidity | 72 | 96 (stronger) |
| Problem-loan coverage | 51 | 97 (stronger) |
| Peer percentile | 4th | 94th |
| Total assets | $1.4B | $466.7M |
| Deposits / shares | $1.2B | $395.2M |
| Capital ratio | 9.82% | 16.36% (stronger) |
| Problem loans | 3.40% | 0.53% (stronger) |
| Net charge-offs | 0.34% (stronger) | 0.58% |
| Return on assets | 1.31% (stronger) | 1.30% |
| Loans ÷ deposits | 65.9% | 63.9% (stronger) |
| Uninsured deposits | 34.8% | 4.6% (stronger) |
| Offices | 18 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.6% |
Aod Federal Credit Union has the higher TellerScore (89 vs 45). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Alabama leads on 2 and Aod Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.