Side-by-side · Q2 2026 data
Financial Federal Bank 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 | Financial Federal Bank | First South Financial Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 95 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 98 (stronger) | 93 |
| Earnings | 60 | 99 (stronger) |
| Funding & liquidity | 42 | 77 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 44th | 98th |
| Total assets | $1.1B | $844.8M |
| Deposits / shares | $879.7M | $576.4M |
| Capital ratio | 9.92% | 30.23% (stronger) |
| Problem loans | 0.05% (stronger) | 0.22% |
| Net charge-offs | 0.02% (stronger) | 0.91% |
| Return on assets | 1.01% | 1.97% (stronger) |
| Loans ÷ deposits | 122.0% | 83.0% (stronger) |
| Uninsured deposits | 22.5% | 12.3% (stronger) |
| Offices | 1 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.0% | — |
First South Financial Federal Credit Union has the higher TellerScore (95 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Financial Federal Bank leads on 2 and First South Financial Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.