Side-by-side · Q2 2026 data
Bulab Employees Federal Credit Union vs First South Financial Federal Credit Union
Credit union
Bulab Employees Federal Credit Union
Memphis, Tennessee · Under $100 million in assets
Credit union
First South Financial Federal Credit Union
Bartlett, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Bulab Employees Federal Credit Union | First South Financial Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 95 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 44 | 93 (stronger) |
| Earnings | 43 | 99 (stronger) |
| Funding & liquidity | 87 (stronger) | 77 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 44th | 98th |
| Total assets | $2.2M | $844.8M |
| Deposits / shares | $1.4M | $576.4M |
| Capital ratio | 35.00% (stronger) | 30.23% |
| Problem loans | 1.68% | 0.22% (stronger) |
| Net charge-offs | -0.21% (stronger) | 0.91% |
| Return on assets | 0.58% | 1.97% (stronger) |
| Loans ÷ deposits | 73.1% (stronger) | 83.0% |
| Uninsured deposits | 0.0% (stronger) | 12.3% |
| Offices | 1 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First South Financial Federal Credit Union has the higher TellerScore (95 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Bulab Employees Federal Credit Union leads on 4 and First South Financial Federal Credit Union on 3. 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.