Side-by-side · Q2 2026 data
First State Bank of the South, Inc. 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 the South, Inc. | North Alabama Educators Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 62 |
| Capital cushion | 100 (stronger) | 30 |
| Loan quality | 92 (stronger) | 76 |
| Earnings | 62 (stronger) | 47 |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 88 | 93 (stronger) |
| Peer percentile | 94th | 26th |
| Total assets | $130.7M | $142.9M |
| Deposits / shares | $109.2M | $132.2M |
| Capital ratio | 16.38% (stronger) | 8.04% |
| Problem loans | 0.24% (stronger) | 0.72% |
| Net charge-offs | -0.01% (stronger) | 0.24% |
| Return on assets | 1.05% (stronger) | 0.66% |
| Loans ÷ deposits | 51.8% | 41.9% (stronger) |
| Uninsured deposits | 18.7% | 1.9% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
First State Bank of the South, Inc. has the higher TellerScore (89 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of the South, Inc. leads on 5 and North Alabama Educators Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.