Side-by-side · Q2 2026 data
North Alabama Educators Credit Union vs Riverfall Credit Union
Credit union
North Alabama Educators Credit Union
Huntsville, Alabama · $100 million – $1 billion
Metric by metric
| Measure | North Alabama Educators Credit Union | Riverfall Credit Union |
|---|---|---|
| TellerScore | 62 (stronger) | 60 |
| Capital cushion | 30 | 70 (stronger) |
| Loan quality | 76 (stronger) | 36 |
| Earnings | 47 (stronger) | 34 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 93 (stronger) | 83 |
| Peer percentile | 26th | 21st |
| Total assets | $142.9M | $193.9M |
| Deposits / shares | $132.2M | $175.1M |
| Capital ratio | 8.04% | 11.95% (stronger) |
| Problem loans | 0.72% (stronger) | 1.93% |
| Net charge-offs | 0.24% (stronger) | 0.26% |
| Return on assets | 0.66% (stronger) | 0.35% |
| Loans ÷ deposits | 41.9% (stronger) | 50.3% |
| Uninsured deposits | 1.9% (stronger) | 8.4% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
North Alabama Educators Credit Union has the higher TellerScore (62 vs 60). On the 7 directional measures above (where higher or lower is clearly better), North Alabama Educators Credit Union leads on 6 and Riverfall Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.