Side-by-side · Q2 2026 data
First Southern Bank vs Siu Credit Union
Metric by metric
| Measure | First Southern Bank | Siu Credit Union |
|---|---|---|
| TellerScore | 49 | 72 (stronger) |
| Capital cushion | 59 | 66 (stronger) |
| Loan quality | 0 | 70 (stronger) |
| Earnings | 75 (stronger) | 67 |
| Funding & liquidity | 67 | 85 (stronger) |
| Problem-loan coverage | 63 | 90 (stronger) |
| Peer percentile | 6th | 57th |
| Total assets | $1.0B | $591.3M |
| Deposits / shares | $904.3M | $519.4M |
| Capital ratio | 10.85% | 11.56% (stronger) |
| Problem loans | 3.00% | 0.90% (stronger) |
| Net charge-offs | 0.44% (stronger) | 0.60% |
| Return on assets | 1.37% (stronger) | 1.17% |
| Loans ÷ deposits | 71.7% (stronger) | 75.3% |
| Uninsured deposits | 34.6% | 3.5% (stronger) |
| Offices | 15 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.1% |
Siu Credit Union has the higher TellerScore (72 vs 49). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 3 and Siu Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.