Side-by-side · Q2 2026 data
Pinnacle Bank vs America'S First Federal Credit Union
Credit union
America'S First Federal Credit Union
Birmingham, Alabama · $1 billion – $10 billion
Metric by metric
| Measure | Pinnacle Bank | America'S First Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 74 |
| Capital cushion | 63 | 73 (stronger) |
| Loan quality | 99 (stronger) | 74 |
| Earnings | 66 | 70 (stronger) |
| Funding & liquidity | 64 | 69 (stronger) |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 64th | 72nd |
| Total assets | $384.5M | $2.8B |
| Deposits / shares | $355.0M | $2.4B |
| Capital ratio | 11.30% | 12.25% (stronger) |
| Problem loans | 0.02% (stronger) | 0.77% |
| Net charge-offs | 0.05% (stronger) | 0.51% |
| Return on assets | 1.15% | 1.24% (stronger) |
| Loans ÷ deposits | 37.8% (stronger) | 90.9% |
| Uninsured deposits | 48.0% | 5.3% (stronger) |
| Offices | 6 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pinnacle Bank has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Pinnacle Bank leads on 4 and America'S First 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.