Side-by-side · Q2 2026 data
First Community Bank of Central Alabama vs Alabama State Employees Credit Union
Credit union
Alabama State Employees Credit Union
Montgomery, Alabama · $100 million – $1 billion
Metric by metric
| Measure | First Community Bank of Central Alabama | Alabama State Employees Credit Union |
|---|---|---|
| TellerScore | 74 | 80 (stronger) |
| Capital cushion | 36 | 70 (stronger) |
| Loan quality | 97 (stronger) | 90 |
| Earnings | 100 (stronger) | 57 |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 57th | 78th |
| Total assets | $694.3M | $471.2M |
| Deposits / shares | $638.3M | $416.6M |
| Capital ratio | 8.57% | 12.01% (stronger) |
| Problem loans | 0.10% (stronger) | 0.31% |
| Net charge-offs | 0.02% (stronger) | 0.56% |
| Return on assets | 2.44% (stronger) | 0.93% |
| Loans ÷ deposits | 77.7% | 57.2% (stronger) |
| Uninsured deposits | 34.6% | 3.4% (stronger) |
| Offices | 9 | 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 74). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank of Central Alabama leads on 3 and Alabama State Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Prattville, AL
- Wetumpka, AL
- Millbrook, AL