Side-by-side · Q2 2026 data
Phenix-Girard Bank vs East Alabama Community Federal Credit Union
Credit union
East Alabama Community Federal Credit Union
Opelika, Alabama · Under $100 million in assets
Metric by metric
| Measure | Phenix-Girard Bank | East Alabama Community Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 84 (stronger) |
| Capital cushion | 68 | 92 (stronger) |
| Loan quality | 83 | 100 (stronger) |
| Earnings | 62 (stronger) | 34 |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 47th | 75th |
| Total assets | $342.3M | $20.8M |
| Deposits / shares | $323.6M | $17.8M |
| Capital ratio | 11.76% | 14.19% (stronger) |
| Problem loans | 0.51% | 0.00% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.07% |
| Return on assets | 1.04% (stronger) | 0.36% |
| Loans ÷ deposits | 25.1% (stronger) | 33.4% |
| Uninsured deposits | 53.3% | 2.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
East Alabama Community Federal Credit Union has the higher TellerScore (84 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Phenix-Girard Bank leads on 3 and East Alabama Community Federal Credit Union on 4. 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.