Side-by-side · Q2 2026 data
First Southern Bank vs A.S.H. Employees Credit Union
Metric by metric
| Measure | First Southern Bank | A.S.H. Employees Credit Union |
|---|---|---|
| TellerScore | 49 | 85 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 0 | 86 (stronger) |
| Earnings | 75 (stronger) | 72 |
| Funding & liquidity | 67 (stronger) | 63 |
| Problem-loan coverage | 63 | 97 (stronger) |
| Peer percentile | 6th | 77th |
| Total assets | $1.0B | $5.6M |
| Deposits / shares | $904.3M | $4.5M |
| Capital ratio | 10.85% | 19.83% (stronger) |
| Problem loans | 3.00% | 0.43% (stronger) |
| Net charge-offs | 0.44% | -0.31% (stronger) |
| Return on assets | 1.37% (stronger) | 1.30% |
| Loans ÷ deposits | 71.7% (stronger) | 97.4% |
| Uninsured deposits | 34.6% | 0.0% (stronger) |
| Offices | 15 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
A.S.H. Employees Credit Union has the higher TellerScore (85 vs 49). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 2 and A.S.H. Employees 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.