Side-by-side · Q2 2026 data
Redstone Federal Credit Union vs North Alabama Educators Credit Union
Credit union
North Alabama Educators Credit Union
Huntsville, Alabama · $100 million – $1 billion
Metric by metric
| Measure | Redstone Federal Credit Union | North Alabama Educators Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 62 |
| Capital cushion | 89 (stronger) | 30 |
| Loan quality | 77 (stronger) | 76 |
| Earnings | 75 (stronger) | 47 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 94th | 26th |
| Total assets | $8.6B | $142.9M |
| Deposits / shares | $7.5B | $132.2M |
| Capital ratio | 13.86% (stronger) | 8.04% |
| Problem loans | 0.70% (stronger) | 0.72% |
| Net charge-offs | 0.96% | 0.24% (stronger) |
| Return on assets | 1.38% (stronger) | 0.66% |
| Loans ÷ deposits | 49.3% | 41.9% (stronger) |
| Uninsured deposits | 7.2% | 1.9% (stronger) |
| Offices | 20 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.2% | 9.1% |
Redstone Federal Credit Union has the higher TellerScore (85 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Redstone Federal Credit Union leads on 4 and North Alabama Educators 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.