Side-by-side · Q2 2026 data
West Alabama Bank & Trust vs Naheola Credit Union
Metric by metric
| Measure | West Alabama Bank & Trust | Naheola Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 74 |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 85 (stronger) | 34 |
| Earnings | 71 | 86 (stronger) |
| Funding & liquidity | 77 (stronger) | 66 |
| Problem-loan coverage | 87 (stronger) | 84 |
| Peer percentile | 68th | 63rd |
| Total assets | $929.0M | $219.6M |
| Deposits / shares | $806.4M | $178.7M |
| Capital ratio | 12.22% | 18.00% (stronger) |
| Problem loans | 0.44% (stronger) | 1.97% |
| Net charge-offs | 0.16% (stronger) | 0.16% |
| Return on assets | 1.28% | 1.66% (stronger) |
| Loans ÷ deposits | 74.0% (stronger) | 87.6% |
| Uninsured deposits | 23.0% | 20.7% (stronger) |
| Offices | 15 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Alabama Bank & Trust has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), West Alabama Bank & Trust leads on 4 and Naheola Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Butler, AL
- Livingston, AL