Side-by-side · Q2 2026 data
Florence Federal Credit Union vs Lauderdale County Teachers Credit Union
Credit union
Lauderdale County Teachers Credit Union
Florence, Alabama · Under $100 million in assets
Metric by metric
| Measure | Florence Federal Credit Union | Lauderdale County Teachers Credit Union |
|---|---|---|
| TellerScore | 76 | 90 (stronger) |
| Capital cushion | 91 (stronger) | 78 |
| Loan quality | 70 | 100 (stronger) |
| Earnings | 36 | 83 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 54th | 89th |
| Total assets | $65.9M | $38.5M |
| Deposits / shares | $57.0M | $33.3M |
| Capital ratio | 14.05% (stronger) | 12.80% |
| Problem loans | 0.90% | 0.00% (stronger) |
| Net charge-offs | 0.33% | 0.04% (stronger) |
| Return on assets | 0.41% | 1.57% (stronger) |
| Loans ÷ deposits | 45.0% | 37.3% (stronger) |
| Uninsured deposits | 6.5% | 2.9% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
Lauderdale County Teachers Credit Union has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Florence Federal Credit Union leads on 1 and Lauderdale County Teachers Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.