Side-by-side · Q2 2026 data
First State Bank of DeKalb County vs North Alabama Educators Credit Union
Credit union
North Alabama Educators Credit Union
Huntsville, Alabama · $100 million – $1 billion
Metric by metric
| Measure | First State Bank of DeKalb County | North Alabama Educators Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 62 |
| Capital cushion | 91 (stronger) | 30 |
| Loan quality | 72 | 76 (stronger) |
| Earnings | 100 (stronger) | 47 |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 92 | 93 (stronger) |
| Peer percentile | 90th | 26th |
| Total assets | $353.8M | $142.9M |
| Deposits / shares | $299.0M | $132.2M |
| Capital ratio | 14.13% (stronger) | 8.04% |
| Problem loans | 0.84% | 0.72% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.24% |
| Return on assets | 2.26% (stronger) | 0.66% |
| Loans ÷ deposits | 68.6% | 41.9% (stronger) |
| Uninsured deposits | 26.9% | 1.9% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
First State Bank of DeKalb County has the higher TellerScore (86 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of DeKalb County leads on 4 and North Alabama Educators Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.