Side-by-side · Q2 2026 data
Southern Independent Bank vs Andalusia Mills Employees Credit As Federal Credit Union
Credit union
Andalusia Mills Employees Credit As Federal Credit Union
Andalusia, Alabama · Under $100 million in assets
Metric by metric
| Measure | Southern Independent Bank | Andalusia Mills Employees Credit As Federal Credit Union |
|---|---|---|
| TellerScore | 87 | 87 |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 97 (stronger) | 88 |
| Earnings | 64 (stronger) | 52 |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 91st | 83rd |
| Total assets | $395.3M | $3.2M |
| Deposits / shares | $336.5M | $2.5M |
| Capital ratio | 13.63% | 20.50% (stronger) |
| Problem loans | 0.08% (stronger) | 0.35% |
| Net charge-offs | 0.04% (stronger) | 0.06% |
| Return on assets | 1.11% (stronger) | 0.80% |
| Loans ÷ deposits | 53.1% | 33.4% (stronger) |
| Uninsured deposits | 19.5% | 0.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Southern Independent Bank leads on 3 and Andalusia Mills Employees Credit As 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.