Side-by-side · Q2 2026 data
First Bank of Alabama vs Chem Family Credit Union
Metric by metric
| Measure | First Bank of Alabama | Chem Family Credit Union |
|---|---|---|
| TellerScore | 45 | 88 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 72 (stronger) | 39 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 51 | 100 (stronger) |
| Peer percentile | 4th | 85th |
| Total assets | $1.4B | $4.1M |
| Deposits / shares | $1.2B | $2.9M |
| Capital ratio | 9.82% | 28.15% (stronger) |
| Problem loans | 3.40% | 0.00% (stronger) |
| Net charge-offs | 0.34% | 0.00% (stronger) |
| Return on assets | 1.31% (stronger) | 0.47% |
| Loans ÷ deposits | 65.9% | 41.7% (stronger) |
| Uninsured deposits | 34.8% | 0.0% (stronger) |
| Offices | 18 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Chem Family Credit Union has the higher TellerScore (88 vs 45). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Alabama leads on 1 and Chem Family 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.