Side-by-side · Q2 2026 data
First Community Bank of Central Alabama vs Auburn University Credit Union
Metric by metric
| Measure | First Community Bank of Central Alabama | Auburn University Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 67 |
| Capital cushion | 36 | 48 (stronger) |
| Loan quality | 97 (stronger) | 80 |
| Earnings | 100 (stronger) | 44 |
| Funding & liquidity | 61 | 94 (stronger) |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 57th | 41st |
| Total assets | $694.3M | $267.9M |
| Deposits / shares | $638.3M | $241.5M |
| Capital ratio | 8.57% | 9.77% (stronger) |
| Problem loans | 0.10% (stronger) | 0.59% |
| Net charge-offs | 0.02% (stronger) | 0.37% |
| Return on assets | 2.44% (stronger) | 0.59% |
| Loans ÷ deposits | 77.7% | 66.3% (stronger) |
| Uninsured deposits | 34.6% | 6.9% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.5% |
First Community Bank of Central Alabama has the higher TellerScore (74 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank of Central Alabama leads on 4 and Auburn University Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.