Side-by-side · Q2 2026 data
First Southern Bank vs Electrical Workers No 558 Federal Credit Union
Credit union
Electrical Workers No 558 Federal Credit Union
Sheffield, Alabama · Under $100 million in assets
Metric by metric
| Measure | First Southern Bank | Electrical Workers No 558 Federal Credit Union |
|---|---|---|
| TellerScore | 18 | 99 (stronger) |
| Capital cushion | 39 | 100 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 0 | 97 (stronger) |
| Funding & liquidity | 40 | 94 (stronger) |
| Problem-loan coverage | 0 | 100 (stronger) |
| Peer percentile | 0th | 99th |
| Total assets | $679.2M | $45.9M |
| Deposits / shares | $577.1M | $36.3M |
| Capital ratio | 8.95% | 20.52% (stronger) |
| Problem loans | 10.86% | 0.00% (stronger) |
| Net charge-offs | 4.60% | 0.08% (stronger) |
| Return on assets | -2.50% | 1.92% (stronger) |
| Loans ÷ deposits | 78.7% | 65.4% (stronger) |
| Uninsured deposits | 52.8% | 15.6% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.2% | — |
Electrical Workers No 558 Federal Credit Union has the higher TellerScore (99 vs 18). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 0 and Electrical Workers No 558 Federal Credit Union on 7. 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.