Side-by-side · Q2 2026 data
Citizens Savings Bank and Trust Company vs First South Financial Federal Credit Union
Credit union
First South Financial Federal Credit Union
Bartlett, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Citizens Savings Bank and Trust Company | First South Financial Federal Credit Union |
|---|---|---|
| TellerScore | 32 | 95 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 9 | 93 (stronger) |
| Earnings | 29 | 99 (stronger) |
| Funding & liquidity | 43 | 77 (stronger) |
| Problem-loan coverage | 41 | 99 (stronger) |
| Peer percentile | 1st | 98th |
| Total assets | $188.1M | $844.8M |
| Deposits / shares | $156.5M | $576.4M |
| Capital ratio | 9.56% | 30.23% (stronger) |
| Problem loans | 2.72% | 0.22% (stronger) |
| Net charge-offs | 0.20% (stronger) | 0.91% |
| Return on assets | 0.22% | 1.97% (stronger) |
| Loans ÷ deposits | 101.3% | 83.0% (stronger) |
| Uninsured deposits | 28.8% | 12.3% (stronger) |
| Offices | 1 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 52.7% | — |
First South Financial Federal Credit Union has the higher TellerScore (95 vs 32). On the 7 directional measures above (where higher or lower is clearly better), Citizens Savings Bank and Trust Company leads on 1 and First South Financial Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.