Side-by-side · Q2 2026 data
Farmers Federal Credit Union vs Southernmost Federal Credit Union
Metric by metric
| Measure | Farmers Federal Credit Union | Southernmost Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 80 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 29 (stronger) | 15 |
| Funding & liquidity | 100 (stronger) | 80 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 47th | 65th |
| Total assets | $22.4M | $16.1M |
| Deposits / shares | $20.0M | $12.8M |
| Capital ratio | 10.58% | 18.77% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.04% | -0.08% (stronger) |
| Return on assets | 0.22% (stronger) | -0.12% |
| Loans ÷ deposits | 31.7% (stronger) | 80.4% |
| Uninsured deposits | 1.7% (stronger) | 3.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southernmost Federal Credit Union has the higher TellerScore (80 vs 73). On the 6 directional measures above (where higher or lower is clearly better), Farmers Federal Credit Union leads on 3 and Southernmost Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.