Side-by-side · Q2 2026 data
Oakworth Capital Bank vs Alabama Postal Credit Union
Credit union
Alabama Postal Credit Union
Birmingham, Alabama · Under $100 million in assets
Metric by metric
| Measure | Oakworth Capital Bank | Alabama Postal Credit Union |
|---|---|---|
| TellerScore | 58 | 96 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 77 | 91 (stronger) |
| Earnings | 67 | 94 (stronger) |
| Funding & liquidity | 17 | 96 (stronger) |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 17th | 97th |
| Total assets | $2.1B | $6.4M |
| Deposits / shares | $1.8B | $3.5M |
| Capital ratio | 9.60% | 44.48% (stronger) |
| Problem loans | 0.68% | 0.28% (stronger) |
| Net charge-offs | 0.22% | -0.30% (stronger) |
| Return on assets | 1.17% | 1.85% (stronger) |
| Loans ÷ deposits | 96.5% | 64.0% (stronger) |
| Uninsured deposits | 56.8% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alabama Postal Credit Union has the higher TellerScore (96 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Oakworth Capital Bank leads on 0 and Alabama Postal Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.