Side-by-side · Q2 2026 data
New Horizons Credit Union vs Alabama State Employees Credit Union
Credit union
Alabama State Employees Credit Union
Montgomery, Alabama · $100 million – $1 billion
Metric by metric
| Measure | New Horizons Credit Union | Alabama State Employees Credit Union |
|---|---|---|
| TellerScore | 71 | 80 (stronger) |
| Capital cushion | 58 | 70 (stronger) |
| Loan quality | 88 | 90 (stronger) |
| Earnings | 48 | 57 (stronger) |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 54th | 78th |
| Total assets | $304.1M | $471.2M |
| Deposits / shares | $269.6M | $416.6M |
| Capital ratio | 10.81% | 12.01% (stronger) |
| Problem loans | 0.37% | 0.31% (stronger) |
| Net charge-offs | 0.25% (stronger) | 0.56% |
| Return on assets | 0.70% | 0.93% (stronger) |
| Loans ÷ deposits | 79.2% | 57.2% (stronger) |
| Uninsured deposits | 1.4% (stronger) | 3.4% |
| Offices | 8 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.5% | 0.9% |
Alabama State Employees Credit Union has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), New Horizons 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.