Side-by-side · Q2 2026 data
Phenix-Girard Bank vs The Bridgeway Federal Credit Union
Credit union
The Bridgeway Federal Credit Union
Phenix City, Alabama · Under $100 million in assets
Metric by metric
| Measure | Phenix-Girard Bank | The Bridgeway Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 72 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 83 (stronger) | 66 |
| Earnings | 62 (stronger) | 29 |
| Funding & liquidity | 58 | 72 (stronger) |
| Problem-loan coverage | 92 (stronger) | 91 |
| Peer percentile | 47th | 44th |
| Total assets | $342.3M | $62.3M |
| Deposits / shares | $323.6M | $51.1M |
| Capital ratio | 11.76% | 16.27% (stronger) |
| Problem loans | 0.51% (stronger) | 1.01% |
| Net charge-offs | 0.05% (stronger) | 0.78% |
| Return on assets | 1.04% (stronger) | 0.24% |
| Loans ÷ deposits | 25.1% (stronger) | 88.5% |
| Uninsured deposits | 53.3% | 4.3% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
The Bridgeway Federal Credit Union has the higher TellerScore (72 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Phenix-Girard Bank leads on 4 and The Bridgeway Federal Credit Union on 3. 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.