Side-by-side · Q2 2026 data
West Alabama Bank & Trust vs Meridian Postal Federal Credit Union
Credit union
Meridian Postal Federal Credit Union
Meridian, Mississippi · Under $100 million in assets
Metric by metric
| Measure | West Alabama Bank & Trust | Meridian Postal Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 86 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 71 (stronger) | 30 |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 68th | 80th |
| Total assets | $929.0M | $4.4M |
| Deposits / shares | $806.4M | $3.4M |
| Capital ratio | 12.22% | 23.04% (stronger) |
| Problem loans | 0.44% | 0.00% (stronger) |
| Net charge-offs | 0.16% (stronger) | 3.43% |
| Return on assets | 1.28% (stronger) | 0.25% |
| Loans ÷ deposits | 74.0% | 25.5% (stronger) |
| Uninsured deposits | 23.0% | 0.0% (stronger) |
| Offices | 15 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Meridian Postal Federal Credit Union has the higher TellerScore (86 vs 77). On the 7 directional measures above (where higher or lower is clearly better), West Alabama Bank & Trust leads on 2 and Meridian Postal 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.