Side-by-side · Q2 2026 data
1st United Credit Union vs Southland Credit Union
Metric by metric
| Measure | 1st United Credit Union | Southland Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 49 |
| Capital cushion | 72 (stronger) | 36 |
| Loan quality | 92 (stronger) | 51 |
| Earnings | 50 (stronger) | 33 |
| Funding & liquidity | 87 (stronger) | 78 |
| Problem-loan coverage | 97 (stronger) | 76 |
| Peer percentile | 82nd | 5th |
| Total assets | $1.3B | $1.3B |
| Deposits / shares | $1.1B | $1.1B |
| Capital ratio | 12.16% (stronger) | 8.56% |
| Problem loans | 0.25% (stronger) | 1.48% |
| Net charge-offs | 0.27% (stronger) | 0.65% |
| Return on assets | 0.75% (stronger) | 0.32% |
| Loans ÷ deposits | 73.6% (stronger) | 82.7% |
| Uninsured deposits | 10.7% | 8.0% (stronger) |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 38.8% |
1st United Credit Union has the higher TellerScore (77 vs 49). On the 7 directional measures above (where higher or lower is clearly better), 1st United Credit Union leads on 6 and Southland Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.