Side-by-side · Q2 2026 data
FirstState Bank vs America'S First Federal Credit Union
Credit union
America'S First Federal Credit Union
Birmingham, Alabama · $1 billion – $10 billion
Metric by metric
| Measure | FirstState Bank | America'S First Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 74 (stronger) |
| Capital cushion | 61 | 73 (stronger) |
| Loan quality | 76 (stronger) | 74 |
| Earnings | 51 | 70 (stronger) |
| Funding & liquidity | 95 (stronger) | 69 |
| Problem-loan coverage | 87 | 90 (stronger) |
| Peer percentile | 43rd | 72nd |
| Total assets | $349.4M | $2.8B |
| Deposits / shares | $323.9M | $2.4B |
| Capital ratio | 11.14% | 12.25% (stronger) |
| Problem loans | 0.72% (stronger) | 0.77% |
| Net charge-offs | 0.16% (stronger) | 0.51% |
| Return on assets | 0.77% | 1.24% (stronger) |
| Loans ÷ deposits | 46.6% (stronger) | 90.9% |
| Uninsured deposits | 19.7% | 5.3% (stronger) |
| Offices | 3 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
America'S First Federal Credit Union has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), FirstState Bank leads on 3 and America'S First 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.