Side-by-side · Q2 2026 data
Ampot Federal Credit Union vs Southern Coastal Federal Credit Union
Credit union
Ampot Federal Credit Union
Hamilton, Mississippi · Under $100 million in assets
Credit union
Southern Coastal Federal Credit Union
Biloxi, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Ampot Federal Credit Union | Southern Coastal Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 81 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 39 | 77 (stronger) |
| Earnings | 0 | 55 (stronger) |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 83 | 95 (stronger) |
| Peer percentile | 11th | 68th |
| Total assets | $15.2M | $14.0M |
| Deposits / shares | $13.5M | $11.4M |
| Capital ratio | 11.20% | 18.21% (stronger) |
| Problem loans | 1.84% | 0.68% (stronger) |
| Net charge-offs | 0.18% (stronger) | 0.18% |
| Return on assets | -1.81% | 0.87% (stronger) |
| Loans ÷ deposits | 57.9% (stronger) | 86.2% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Coastal Federal Credit Union has the higher TellerScore (81 vs 52). On the 6 directional measures above (where higher or lower is clearly better), Ampot Federal Credit Union leads on 2 and Southern Coastal Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.