Side-by-side · Q2 2026 data
The Exchange Bank of Alabama vs Redstone Federal Credit Union
Metric by metric
| Measure | The Exchange Bank of Alabama | Redstone Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 85 |
| Capital cushion | 100 (stronger) | 89 |
| Loan quality | 99 (stronger) | 77 |
| Earnings | 69 | 75 (stronger) |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 96th | 94th |
| Total assets | $392.5M | $8.6B |
| Deposits / shares | $336.4M | $7.5B |
| Capital ratio | 15.30% (stronger) | 13.86% |
| Problem loans | 0.04% (stronger) | 0.70% |
| Net charge-offs | 0.04% (stronger) | 0.96% |
| Return on assets | 1.21% | 1.38% (stronger) |
| Loans ÷ deposits | 61.0% | 49.3% (stronger) |
| Uninsured deposits | 30.3% | 7.2% (stronger) |
| Offices | 5 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | 23.2% |
The Exchange Bank of Alabama has the higher TellerScore (91 vs 85). On the 7 directional measures above (where higher or lower is clearly better), The Exchange Bank of Alabama leads on 4 and Redstone 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.