Side-by-side · Q2 2026 data
Legacy Community Federal Credit Union vs Alabama State Employees Credit Union
Credit union
Legacy Community Federal Credit Union
Birmingham, Alabama · $100 million – $1 billion
Credit union
Alabama State Employees Credit Union
Montgomery, Alabama · $100 million – $1 billion
Metric by metric
| Measure | Legacy Community Federal Credit Union | Alabama State Employees Credit Union |
|---|---|---|
| TellerScore | 69 | 80 (stronger) |
| Capital cushion | 83 (stronger) | 70 |
| Loan quality | 45 | 90 (stronger) |
| Earnings | 54 | 57 (stronger) |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 84 | 97 (stronger) |
| Peer percentile | 48th | 78th |
| Total assets | $727.2M | $471.2M |
| Deposits / shares | $631.6M | $416.6M |
| Capital ratio | 13.28% (stronger) | 12.01% |
| Problem loans | 1.64% | 0.31% (stronger) |
| Net charge-offs | 0.31% (stronger) | 0.56% |
| Return on assets | 0.84% | 0.93% (stronger) |
| Loans ÷ deposits | 67.6% | 57.2% (stronger) |
| Uninsured deposits | 6.1% | 3.4% (stronger) |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | 0.9% |
Alabama State Employees Credit Union has the higher TellerScore (80 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Legacy Community Federal Credit Union leads on 2 and Alabama State Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.