Side-by-side · Q2 2026 data
West Alabama Bank & Trust vs Ampot Federal Credit Union
Credit union
Ampot Federal Credit Union
Hamilton, Mississippi · Under $100 million in assets
Metric by metric
| Measure | West Alabama Bank & Trust | Ampot Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 52 |
| Capital cushion | 72 (stronger) | 62 |
| Loan quality | 85 (stronger) | 39 |
| Earnings | 71 (stronger) | 0 |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 87 (stronger) | 83 |
| Peer percentile | 68th | 11th |
| Total assets | $929.0M | $15.2M |
| Deposits / shares | $806.4M | $13.5M |
| Capital ratio | 12.22% (stronger) | 11.20% |
| Problem loans | 0.44% (stronger) | 1.84% |
| Net charge-offs | 0.16% (stronger) | 0.18% |
| Return on assets | 1.28% (stronger) | -1.81% |
| Loans ÷ deposits | 74.0% | 57.9% (stronger) |
| Uninsured deposits | 23.0% | 0.0% (stronger) |
| Offices | 15 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Alabama Bank & Trust has the higher TellerScore (77 vs 52). On the 7 directional measures above (where higher or lower is clearly better), West Alabama Bank & Trust leads on 5 and Ampot Federal Credit Union on 2. 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.