Side-by-side · Q2 2026 data
First Sentinel Bank vs United Southeast Federal Credit Union
Credit union
United Southeast Federal Credit Union
Bristol, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | First Sentinel Bank | United Southeast Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 78 (stronger) |
| Capital cushion | 50 | 85 (stronger) |
| Loan quality | 96 (stronger) | 87 |
| Earnings | 54 (stronger) | 42 |
| Funding & liquidity | 49 | 88 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 34th | 74th |
| Total assets | $398.0M | $256.0M |
| Deposits / shares | $348.5M | $220.6M |
| Capital ratio | 10.02% | 13.49% (stronger) |
| Problem loans | 0.11% (stronger) | 0.40% |
| Net charge-offs | 0.33% (stronger) | 0.74% |
| Return on assets | 0.85% (stronger) | 0.55% |
| Loans ÷ deposits | 96.0% | 72.5% (stronger) |
| Uninsured deposits | 28.5% | 6.6% (stronger) |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | 0.0% |
United Southeast Federal Credit Union has the higher TellerScore (78 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Sentinel Bank leads on 3 and United Southeast Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Abingdon, VA
- Lebanon, VA