Side-by-side · Q2 2026 data
First Southern State Bank vs North Alabama Papermakers Federal Credit Union
Credit union
North Alabama Papermakers Federal Credit Union
Stevenson, Alabama · Under $100 million in assets
Metric by metric
| Measure | First Southern State Bank | North Alabama Papermakers Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 77 |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 78 (stronger) | 0 |
| Funding & liquidity | 80 | 80 |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 68th | 57th |
| Total assets | $893.5M | $2.2M |
| Deposits / shares | $807.2M | $1.6M |
| Capital ratio | 10.59% | 25.47% (stronger) |
| Problem loans | 0.25% | 0.00% (stronger) |
| Net charge-offs | 0.12% | -0.05% (stronger) |
| Return on assets | 1.46% (stronger) | -0.68% |
| Loans ÷ deposits | 61.3% (stronger) | 79.9% |
| Uninsured deposits | 31.9% | 0.0% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Southern State Bank leads on 2 and North Alabama Papermakers Federal Credit Union on 4. 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.
Where both have branches
- Stevenson, AL