Side-by-side · Q2 2026 data
West Alabama Bank & Trust vs Demopolis Federal Credit Union
Credit union
Demopolis Federal Credit Union
Demopolis, Alabama · Under $100 million in assets
Metric by metric
| Measure | West Alabama Bank & Trust | Demopolis Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 92 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 85 (stronger) | 82 |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 77 (stronger) | 74 |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 68th | 92nd |
| Total assets | $929.0M | $3.3M |
| Deposits / shares | $806.4M | $1.5M |
| Capital ratio | 12.22% | 54.89% (stronger) |
| Problem loans | 0.44% (stronger) | 0.54% |
| Net charge-offs | 0.16% | 0.13% (stronger) |
| Return on assets | 1.28% | 3.20% (stronger) |
| Loans ÷ deposits | 74.0% (stronger) | 86.6% |
| Uninsured deposits | 23.0% | 0.0% (stronger) |
| Offices | 15 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Demopolis Federal Credit Union has the higher TellerScore (92 vs 77). On the 7 directional measures above (where higher or lower is clearly better), West Alabama Bank & Trust leads on 2 and Demopolis Federal Credit Union on 5. 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.