Side-by-side · Q2 2026 data
Cm Members Federal Credit Union vs Southern Coastal Federal Credit Union
Credit union
Cm Members Federal Credit Union
Columbus, Mississippi · Under $100 million in assets
Credit union
Southern Coastal Federal Credit Union
Biloxi, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Cm Members Federal Credit Union | Southern Coastal Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 81 |
| Capital cushion | 100 | 100 |
| Loan quality | 83 (stronger) | 77 |
| Earnings | 47 | 55 (stronger) |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 77th | 68th |
| Total assets | $16.5M | $14.0M |
| Deposits / shares | $14.1M | $11.4M |
| Capital ratio | 15.56% | 18.21% (stronger) |
| Problem loans | 0.51% (stronger) | 0.68% |
| Net charge-offs | -0.05% (stronger) | 0.18% |
| Return on assets | 0.68% | 0.87% (stronger) |
| Loans ÷ deposits | 52.0% (stronger) | 86.2% |
| Uninsured deposits | 0.3% | 0.0% (stronger) |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cm Members Federal Credit Union has the higher TellerScore (85 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Cm Members Federal Credit Union leads on 4 and Southern Coastal Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.