Side-by-side · Q2 2026 data
L&n Employees Credit Union vs Alabama Postal Credit Union
Credit union
L&n Employees Credit Union
Birmingham, Alabama · Under $100 million in assets
Credit union
Alabama Postal Credit Union
Birmingham, Alabama · Under $100 million in assets
Metric by metric
| Measure | L&n Employees Credit Union | Alabama Postal Credit Union |
|---|---|---|
| TellerScore | 52 | 96 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 91 (stronger) |
| Earnings | 0 | 94 (stronger) |
| Funding & liquidity | 98 (stronger) | 96 |
| Problem-loan coverage | 68 | 100 (stronger) |
| Peer percentile | 11th | 97th |
| Total assets | $8.3M | $6.4M |
| Deposits / shares | $7.0M | $3.5M |
| Capital ratio | 18.19% | 44.48% (stronger) |
| Problem loans | 5.29% | 0.28% (stronger) |
| Net charge-offs | -0.03% | -0.30% (stronger) |
| Return on assets | -2.04% | 1.85% (stronger) |
| Loans ÷ deposits | 62.1% (stronger) | 64.0% |
| Uninsured deposits | 0.0% | 0.0% |
| 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 52). On the 6 directional measures above (where higher or lower is clearly better), L&n Employees Credit Union leads on 1 and Alabama Postal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.