Side-by-side · Q2 2026 data
First Cahawba Bank vs Mutual Savings Credit Union
Metric by metric
| Measure | First Cahawba Bank | Mutual Savings Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 65 |
| Capital cushion | 58 (stronger) | 41 |
| Loan quality | 96 (stronger) | 94 |
| Earnings | 65 (stronger) | 30 |
| Funding & liquidity | 62 | 92 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 57th | 34th |
| Total assets | $205.7M | $242.8M |
| Deposits / shares | $186.6M | $214.0M |
| Capital ratio | 10.81% (stronger) | 9.06% |
| Problem loans | 0.12% (stronger) | 0.19% |
| Net charge-offs | -0.05% (stronger) | 0.27% |
| Return on assets | 1.13% (stronger) | 0.26% |
| Loans ÷ deposits | 78.7% | 68.2% (stronger) |
| Uninsured deposits | 33.0% | 12.3% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | 47.7% |
First Cahawba Bank has the higher TellerScore (74 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First Cahawba Bank leads on 5 and Mutual Savings Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.