Side-by-side · Q2 2026 data
River Bank & Trust vs Alabama State Employees Credit Union
Credit union
Alabama State Employees Credit Union
Montgomery, Alabama · $100 million – $1 billion
Metric by metric
| Measure | River Bank & Trust | Alabama State Employees Credit Union |
|---|---|---|
| TellerScore | 66 | 80 (stronger) |
| Capital cushion | 42 | 70 (stronger) |
| Loan quality | 84 | 90 (stronger) |
| Earnings | 80 (stronger) | 57 |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 40th | 78th |
| Total assets | $4.0B | $471.2M |
| Deposits / shares | $3.5B | $416.6M |
| Capital ratio | 9.23% | 12.01% (stronger) |
| Problem loans | 0.48% | 0.31% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.56% |
| Return on assets | 1.49% (stronger) | 0.93% |
| Loans ÷ deposits | 80.5% | 57.2% (stronger) |
| Uninsured deposits | 42.9% | 3.4% (stronger) |
| Offices | 25 | 8 |
| CFPB complaints (3 yrs) | 17 | — |
| Complaints per $1B deposits | 4.8 | — |
| Mortgage denial rate (HMDA) | — | 0.9% |
Alabama State Employees Credit Union has the higher TellerScore (80 vs 66). On the 7 directional measures above (where higher or lower is clearly better), River Bank & Trust leads on 2 and Alabama State Employees Credit Union on 5. 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.
Where both have branches
- Montgomery, AL
- Prattville, AL
- Clanton, AL
- Millbrook, AL
- Wetumpka, AL