Side-by-side · Q2 2026 data
West Alabama Bank & Trust vs Alabama Credit Union
Metric by metric
| Measure | West Alabama Bank & Trust | Alabama Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 60 |
| Capital cushion | 72 (stronger) | 49 |
| Loan quality | 85 (stronger) | 73 |
| Earnings | 71 (stronger) | 35 |
| Funding & liquidity | 77 (stronger) | 75 |
| Problem-loan coverage | 87 (stronger) | 86 |
| Peer percentile | 68th | 25th |
| Total assets | $929.0M | $2.1B |
| Deposits / shares | $806.4M | $1.8B |
| Capital ratio | 12.22% (stronger) | 9.91% |
| Problem loans | 0.44% (stronger) | 0.80% |
| Net charge-offs | 0.16% (stronger) | 0.90% |
| Return on assets | 1.28% (stronger) | 0.37% |
| Loans ÷ deposits | 74.0% (stronger) | 85.3% |
| Uninsured deposits | 23.0% | 7.1% (stronger) |
| Offices | 15 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.1% |
West Alabama Bank & Trust has the higher TellerScore (77 vs 60). On the 7 directional measures above (where higher or lower is clearly better), West Alabama Bank & Trust leads on 6 and Alabama Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Tuscaloosa, AL
- Fayette, AL
- Northport, AL