Side-by-side · Q2 2026 data
First Southern Bank vs Lauderdale County Teachers Credit Union
Credit union
Lauderdale County Teachers Credit Union
Florence, Alabama · Under $100 million in assets
Metric by metric
| Measure | First Southern Bank | Lauderdale County Teachers Credit Union |
|---|---|---|
| TellerScore | 18 | 90 (stronger) |
| Capital cushion | 39 | 78 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 0 | 83 (stronger) |
| Funding & liquidity | 40 | 100 (stronger) |
| Problem-loan coverage | 0 | 100 (stronger) |
| Peer percentile | 0th | 89th |
| Total assets | $679.2M | $38.5M |
| Deposits / shares | $577.1M | $33.3M |
| Capital ratio | 8.95% | 12.80% (stronger) |
| Problem loans | 10.86% | 0.00% (stronger) |
| Net charge-offs | 4.60% | 0.04% (stronger) |
| Return on assets | -2.50% | 1.57% (stronger) |
| Loans ÷ deposits | 78.7% | 37.3% (stronger) |
| Uninsured deposits | 52.8% | 2.9% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.2% | — |
Lauderdale County Teachers Credit Union has the higher TellerScore (90 vs 18). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 0 and Lauderdale County Teachers 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.