Side-by-side · Q2 2026 data
First Southern Bank vs Altamaha Federal Credit Union
Metric by metric
| Measure | First Southern Bank | Altamaha Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 83 (stronger) |
| Capital cushion | 59 | 91 (stronger) |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 58 (stronger) | 37 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 57th | 72nd |
| Total assets | $347.2M | $74.1M |
| Deposits / shares | $312.9M | $62.4M |
| Capital ratio | 10.92% | 14.05% (stronger) |
| Problem loans | 0.01% (stronger) | 0.22% |
| Net charge-offs | 0.04% (stronger) | 1.03% |
| Return on assets | 0.94% (stronger) | 0.43% |
| Loans ÷ deposits | 71.7% | 57.8% (stronger) |
| Uninsured deposits | 38.6% | 2.1% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Altamaha Federal Credit Union has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 3 and Altamaha Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.