Side-by-side · Q2 2026 data
First Metro Bank vs North Alabama Educators Credit Union
Credit union
North Alabama Educators Credit Union
Huntsville, Alabama · $100 million – $1 billion
Metric by metric
| Measure | First Metro Bank | North Alabama Educators Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 62 |
| Capital cushion | 80 (stronger) | 30 |
| Loan quality | 96 (stronger) | 76 |
| Earnings | 85 (stronger) | 47 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 95th | 26th |
| Total assets | $1.0B | $142.9M |
| Deposits / shares | $893.7M | $132.2M |
| Capital ratio | 12.98% (stronger) | 8.04% |
| Problem loans | 0.13% (stronger) | 0.72% |
| Net charge-offs | 0.22% (stronger) | 0.24% |
| Return on assets | 1.62% (stronger) | 0.66% |
| Loans ÷ deposits | 66.4% | 41.9% (stronger) |
| Uninsured deposits | 42.8% | 1.9% (stronger) |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | 9.1% |
First Metro Bank has the higher TellerScore (84 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First Metro Bank leads on 5 and North Alabama Educators Credit Union on 2. 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.