Side-by-side · Q2 2026 data
Florence Federal Credit Union vs University of South Alabama Federal Credit Union
Credit union
University of South Alabama Federal Credit Union
Mobile, Alabama · Under $100 million in assets
Metric by metric
| Measure | Florence Federal Credit Union | University of South Alabama Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 96 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 70 | 84 (stronger) |
| Earnings | 36 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 54th | 97th |
| Total assets | $65.9M | $56.2M |
| Deposits / shares | $57.0M | $46.6M |
| Capital ratio | 14.05% | 16.45% (stronger) |
| Problem loans | 0.90% | 0.49% (stronger) |
| Net charge-offs | 0.33% | 0.16% (stronger) |
| Return on assets | 0.41% | 2.45% (stronger) |
| Loans ÷ deposits | 45.0% (stronger) | 51.2% |
| Uninsured deposits | 6.5% (stronger) | 10.5% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
University of South Alabama Federal Credit Union has the higher TellerScore (96 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Florence Federal Credit Union leads on 2 and University of South Alabama Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.