Side-by-side · Q2 2026 data
Opp-Micolas Credit Union vs Birmingham City Credit Union
Metric by metric
| Measure | Opp-Micolas Credit Union | Birmingham City Credit Union |
|---|---|---|
| TellerScore | 67 | 76 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 51 | 69 (stronger) |
| Earnings | 0 | 40 (stronger) |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 34th | 54th |
| Total assets | $10.4M | $9.7M |
| Deposits / shares | $7.8M | $7.8M |
| Capital ratio | 25.17% (stronger) | 18.92% |
| Problem loans | 1.46% | 0.92% (stronger) |
| Net charge-offs | -0.03% (stronger) | 3.29% |
| Return on assets | -0.58% | 0.49% (stronger) |
| Loans ÷ deposits | 31.9% (stronger) | 85.3% |
| Uninsured deposits | 1.1% (stronger) | 1.3% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Birmingham City Credit Union has the higher TellerScore (76 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Opp-Micolas Credit Union leads on 4 and Birmingham City Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.