Side-by-side · Q2 2026 data
North Alabama Educators Credit Union vs Valley Credit Union
Credit union
North Alabama Educators Credit Union
Huntsville, Alabama · $100 million – $1 billion
Metric by metric
| Measure | North Alabama Educators Credit Union | Valley Credit Union |
|---|---|---|
| TellerScore | 62 | 84 (stronger) |
| Capital cushion | 30 | 90 (stronger) |
| Loan quality | 76 | 93 (stronger) |
| Earnings | 47 (stronger) | 42 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 26th | 86th |
| Total assets | $142.9M | $112.9M |
| Deposits / shares | $132.2M | $98.2M |
| Capital ratio | 8.04% | 13.96% (stronger) |
| Problem loans | 0.72% | 0.20% (stronger) |
| Net charge-offs | 0.24% (stronger) | 0.43% |
| Return on assets | 0.66% (stronger) | 0.55% |
| Loans ÷ deposits | 41.9% | 39.1% (stronger) |
| Uninsured deposits | 1.9% (stronger) | 3.0% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Valley Credit Union has the higher TellerScore (84 vs 62). On the 7 directional measures above (where higher or lower is clearly better), North Alabama Educators Credit Union leads on 3 and Valley Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.