Side-by-side · Q2 2026 data
Mutual Savings Credit Union vs Alabama Central Credit Union
Metric by metric
| Measure | Mutual Savings Credit Union | Alabama Central Credit Union |
|---|---|---|
| TellerScore | 65 | 69 (stronger) |
| Capital cushion | 41 | 46 (stronger) |
| Loan quality | 94 (stronger) | 85 |
| Earnings | 30 | 58 (stronger) |
| Funding & liquidity | 92 (stronger) | 87 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 34th | 48th |
| Total assets | $242.8M | $214.0M |
| Deposits / shares | $214.0M | $192.6M |
| Capital ratio | 9.06% | 9.64% (stronger) |
| Problem loans | 0.19% (stronger) | 0.44% |
| Net charge-offs | 0.27% | 0.05% (stronger) |
| Return on assets | 0.26% | 0.94% (stronger) |
| Loans ÷ deposits | 68.2% (stronger) | 73.4% |
| Uninsured deposits | 12.3% | 3.8% (stronger) |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 47.7% | — |
Alabama Central Credit Union has the higher TellerScore (69 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Mutual Savings Credit Union leads on 2 and Alabama Central Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.