Side-by-side · Q2 2026 data
First Southern Bank vs Carbondale Highway Credit Union
Credit union
Carbondale Highway Credit Union
Carbondale, Illinois · Under $100 million in assets
Metric by metric
| Measure | First Southern Bank | Carbondale Highway Credit Union |
|---|---|---|
| TellerScore | 49 | 90 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 75 (stronger) | 51 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 63 | 100 (stronger) |
| Peer percentile | 6th | 89th |
| Total assets | $1.0B | $5.6M |
| Deposits / shares | $904.3M | $4.7M |
| Capital ratio | 10.85% | 15.59% (stronger) |
| Problem loans | 3.00% | 0.00% (stronger) |
| Net charge-offs | 0.44% | 0.40% (stronger) |
| Return on assets | 1.37% (stronger) | 0.76% |
| Loans ÷ deposits | 71.7% | 56.4% (stronger) |
| Uninsured deposits | 34.6% | 0.0% (stronger) |
| Offices | 15 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Carbondale Highway Credit Union has the higher TellerScore (90 vs 49). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 1 and Carbondale Highway Credit Union on 6. 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.