Side-by-side · Q2 2026 data
Four Seasons Federal Credit Union vs North Alabama Educators Credit Union
Credit union
North Alabama Educators Credit Union
Huntsville, Alabama · $100 million – $1 billion
Metric by metric
| Measure | Four Seasons Federal Credit Union | North Alabama Educators Credit Union |
|---|---|---|
| TellerScore | 58 | 62 (stronger) |
| Capital cushion | 36 (stronger) | 30 |
| Loan quality | 49 | 76 (stronger) |
| Earnings | 63 (stronger) | 47 |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 79 | 93 (stronger) |
| Peer percentile | 16th | 26th |
| Total assets | $103.7M | $142.9M |
| Deposits / shares | $93.2M | $132.2M |
| Capital ratio | 8.64% (stronger) | 8.04% |
| Problem loans | 1.53% | 0.72% (stronger) |
| Net charge-offs | 1.39% | 0.24% (stronger) |
| Return on assets | 1.08% (stronger) | 0.66% |
| Loans ÷ deposits | 64.6% | 41.9% (stronger) |
| Uninsured deposits | 9.4% | 1.9% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
North Alabama Educators Credit Union has the higher TellerScore (62 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Four Seasons Federal Credit Union leads on 2 and North Alabama Educators Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.