Side-by-side · Q2 2026 data
L&n Employees Credit Union vs Opp-Micolas Credit Union
Credit union
L&n Employees Credit Union
Birmingham, Alabama · Under $100 million in assets
Metric by metric
| Measure | L&n Employees Credit Union | Opp-Micolas Credit Union |
|---|---|---|
| TellerScore | 52 | 67 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 51 (stronger) |
| Earnings | 0 | 0 |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 68 | 97 (stronger) |
| Peer percentile | 11th | 34th |
| Total assets | $8.3M | $10.4M |
| Deposits / shares | $7.0M | $7.8M |
| Capital ratio | 18.19% | 25.17% (stronger) |
| Problem loans | 5.29% | 1.46% (stronger) |
| Net charge-offs | -0.03% | -0.03% (stronger) |
| Return on assets | -2.04% | -0.58% (stronger) |
| Loans ÷ deposits | 62.1% | 31.9% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 1.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Opp-Micolas Credit Union has the higher TellerScore (67 vs 52). On the 7 directional measures above (where higher or lower is clearly better), L&n Employees Credit Union leads on 1 and Opp-Micolas Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.