Side-by-side · Q2 2026 data
First Southern Bank vs Ware County School Employees Federal Credit Union
Credit union
Ware County School Employees Federal Credit Union
Waycross, Georgia · Under $100 million in assets
Metric by metric
| Measure | First Southern Bank | Ware County School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 86 (stronger) |
| Capital cushion | 59 | 91 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 58 | 62 (stronger) |
| Funding & liquidity | 63 | 75 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 57th | 80th |
| Total assets | $347.2M | $6.3M |
| Deposits / shares | $312.9M | $5.4M |
| Capital ratio | 10.92% | 14.08% (stronger) |
| Problem loans | 0.01% | 0.00% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.13% |
| Return on assets | 0.94% | 1.05% (stronger) |
| Loans ÷ deposits | 71.7% (stronger) | 85.7% |
| Uninsured deposits | 38.6% | 12.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ware County School Employees Federal Credit Union has the higher TellerScore (86 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 2 and Ware County School Employees Federal Credit Union on 5. 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.