Side-by-side · Q2 2026 data
Cullman Savings Bank vs Family Security Credit Union
Metric by metric
| Measure | Cullman Savings Bank | Family Security Credit Union |
|---|---|---|
| TellerScore | 76 | 95 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 86 (stronger) | 80 |
| Earnings | 52 | 99 (stronger) |
| Funding & liquidity | 31 | 100 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 64th | 100th |
| Total assets | $456.7M | $1.1B |
| Deposits / shares | $308.2M | $876.5M |
| Capital ratio | 18.64% | 19.92% (stronger) |
| Problem loans | 0.41% (stronger) | 0.61% |
| Net charge-offs | 0.61% | 0.55% (stronger) |
| Return on assets | 0.81% | 1.98% (stronger) |
| Loans ÷ deposits | 121.2% | 47.7% (stronger) |
| Uninsured deposits | 32.4% | 2.9% (stronger) |
| Offices | 4 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 37.5% |
Family Security Credit Union has the higher TellerScore (95 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Cullman Savings Bank leads on 1 and Family Security Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.