Side-by-side · Q2 2026 data
Health Credit Union vs Alabama Postal Credit Union
Credit union
Alabama Postal Credit Union
Birmingham, Alabama · Under $100 million in assets
Metric by metric
| Measure | Health Credit Union | Alabama Postal Credit Union |
|---|---|---|
| TellerScore | 65 | 96 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 43 | 91 (stronger) |
| Earnings | 25 | 94 (stronger) |
| Funding & liquidity | 67 | 96 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 30th | 97th |
| Total assets | $27.6M | $6.4M |
| Deposits / shares | $21.1M | $3.5M |
| Capital ratio | 22.33% | 44.48% (stronger) |
| Problem loans | 1.72% | 0.28% (stronger) |
| Net charge-offs | 2.04% | -0.30% (stronger) |
| Return on assets | 0.13% | 1.85% (stronger) |
| Loans ÷ deposits | 93.7% | 64.0% (stronger) |
| Uninsured deposits | 2.9% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alabama Postal Credit Union has the higher TellerScore (96 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Health Credit Union leads on 0 and Alabama Postal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.