Side-by-side · Q2 2026 data
SouthPoint Bank vs Alabama Postal Credit Union
Credit union
Alabama Postal Credit Union
Birmingham, Alabama · Under $100 million in assets
Metric by metric
| Measure | SouthPoint Bank | Alabama Postal Credit Union |
|---|---|---|
| TellerScore | 21 | 96 (stronger) |
| Capital cushion | 19 | 100 (stronger) |
| Loan quality | 0 | 91 (stronger) |
| Earnings | 0 | 94 (stronger) |
| Funding & liquidity | 77 | 96 (stronger) |
| Problem-loan coverage | 35 | 100 (stronger) |
| Peer percentile | 0th | 97th |
| Total assets | $1.4B | $6.4M |
| Deposits / shares | $1.2B | $3.5M |
| Capital ratio | 6.86% | 44.48% (stronger) |
| Problem loans | 3.54% | 0.28% (stronger) |
| Net charge-offs | 4.19% | -0.30% (stronger) |
| Return on assets | -1.71% | 1.85% (stronger) |
| Loans ÷ deposits | 83.0% | 64.0% (stronger) |
| Uninsured deposits | 13.3% | 0.0% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alabama Postal Credit Union has the higher TellerScore (96 vs 21). On the 7 directional measures above (where higher or lower is clearly better), SouthPoint Bank leads on 0 and Alabama Postal Credit Union on 7. 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.