Side-by-side · Q2 2026 data
University of South Alabama Federal Credit Union vs Jefferson Credit Union
Credit union
University of South Alabama Federal Credit Union
Mobile, Alabama · Under $100 million in assets
Metric by metric
| Measure | University of South Alabama Federal Credit Union | Jefferson Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 84 (stronger) | 54 |
| Earnings | 100 (stronger) | 54 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 86 |
| Peer percentile | 97th | 28th |
| Total assets | $56.2M | $91.4M |
| Deposits / shares | $46.6M | $80.9M |
| Capital ratio | 16.45% (stronger) | 10.33% |
| Problem loans | 0.49% (stronger) | 1.38% |
| Net charge-offs | 0.16% (stronger) | 0.90% |
| Return on assets | 2.45% (stronger) | 0.85% |
| Loans ÷ deposits | 51.2% (stronger) | 58.1% |
| Uninsured deposits | 10.5% | 6.8% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.8% |
University of South Alabama Federal Credit Union has the higher TellerScore (96 vs 64). On the 7 directional measures above (where higher or lower is clearly better), University of South Alabama Federal Credit Union leads on 6 and Jefferson Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.