Side-by-side · Q2 2026 data
Farmers State Bank vs United Southeast Federal Credit Union
Credit union
United Southeast Federal Credit Union
Bristol, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Farmers State Bank | United Southeast Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 78 (stronger) |
| Capital cushion | 76 | 85 (stronger) |
| Loan quality | 72 | 87 (stronger) |
| Earnings | 51 (stronger) | 42 |
| Funding & liquidity | 85 | 88 (stronger) |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 53rd | 74th |
| Total assets | $232.6M | $256.0M |
| Deposits / shares | $194.3M | $220.6M |
| Capital ratio | 12.63% | 13.49% (stronger) |
| Problem loans | 0.83% | 0.40% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.74% |
| Return on assets | 0.77% (stronger) | 0.55% |
| Loans ÷ deposits | 75.1% | 72.5% (stronger) |
| Uninsured deposits | 9.2% | 6.6% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
United Southeast Federal Credit Union has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 2 and United Southeast Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.