Side-by-side · Q2 2026 data
First Citizens Bank vs Alabama State Employees Credit Union
Credit union
Alabama State Employees Credit Union
Montgomery, Alabama · $100 million – $1 billion
Metric by metric
| Measure | First Citizens Bank | Alabama State Employees Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 80 |
| Capital cushion | 93 (stronger) | 70 |
| Loan quality | 75 | 90 (stronger) |
| Earnings | 100 (stronger) | 57 |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 82 | 97 (stronger) |
| Peer percentile | 91st | 78th |
| Total assets | $402.6M | $471.2M |
| Deposits / shares | $344.1M | $416.6M |
| Capital ratio | 14.30% (stronger) | 12.01% |
| Problem loans | 0.76% | 0.31% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.56% |
| Return on assets | 2.01% (stronger) | 0.93% |
| Loans ÷ deposits | 66.4% | 57.2% (stronger) |
| Uninsured deposits | 29.5% | 3.4% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.0% | 0.9% |
First Citizens Bank has the higher TellerScore (87 vs 80). On the 7 directional measures above (where higher or lower is clearly better), First Citizens Bank leads on 4 and Alabama State Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.