Side-by-side · Q2 2026 data
Gulf Coast 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 | Gulf Coast Federal Credit Union | Lauderdale County Teachers Credit Union |
|---|---|---|
| TellerScore | 26 | 90 (stronger) |
| Capital cushion | 9 | 78 (stronger) |
| Loan quality | 9 | 100 (stronger) |
| Earnings | 0 | 83 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 62 | 100 (stronger) |
| Peer percentile | 1st | 89th |
| Total assets | $44.2M | $38.5M |
| Deposits / shares | $41.5M | $33.3M |
| Capital ratio | 5.93% | 12.80% (stronger) |
| Problem loans | 2.74% | 0.00% (stronger) |
| Net charge-offs | 0.50% | 0.04% (stronger) |
| Return on assets | -0.99% | 1.57% (stronger) |
| Loans ÷ deposits | 43.7% | 37.3% (stronger) |
| Uninsured deposits | 2.0% (stronger) | 2.9% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lauderdale County Teachers Credit Union has the higher TellerScore (90 vs 26). On the 7 directional measures above (where higher or lower is clearly better), Gulf Coast 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.