Side-by-side · Q2 2026 data
First South Financial Federal Credit Union vs St. Thomas Credit Union
Credit union
First South Financial Federal Credit Union
Bartlett, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | First South Financial Federal Credit Union | St. Thomas Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 93 (stronger) | 38 |
| Earnings | 99 (stronger) | 43 |
| Funding & liquidity | 77 (stronger) | 72 |
| Problem-loan coverage | 99 (stronger) | 77 |
| Peer percentile | 98th | 20th |
| Total assets | $844.8M | $38.3M |
| Deposits / shares | $576.4M | $33.4M |
| Capital ratio | 30.23% (stronger) | 12.26% |
| Problem loans | 0.22% (stronger) | 1.86% |
| Net charge-offs | 0.91% | 0.04% (stronger) |
| Return on assets | 1.97% (stronger) | 0.58% |
| Loans ÷ deposits | 83.0% (stronger) | 88.0% |
| Uninsured deposits | 12.3% | 8.0% (stronger) |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First South Financial Federal Credit Union has the higher TellerScore (95 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First South Financial Federal Credit Union leads on 5 and St. Thomas Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.