Side-by-side · Q2 2026 data
First Southern Bank vs TVA Community Credit Union
Metric by metric
| Measure | First Southern Bank | TVA Community Credit Union |
|---|---|---|
| TellerScore | 18 | 90 (stronger) |
| Capital cushion | 39 | 100 (stronger) |
| Loan quality | 0 | 89 (stronger) |
| Earnings | 0 | 63 (stronger) |
| Funding & liquidity | 40 | 100 (stronger) |
| Problem-loan coverage | 0 | 98 (stronger) |
| Peer percentile | 0th | 95th |
| Total assets | $679.2M | $429.0M |
| Deposits / shares | $577.1M | $373.4M |
| Capital ratio | 8.95% | 18.38% (stronger) |
| Problem loans | 10.86% | 0.32% (stronger) |
| Net charge-offs | 4.60% | 0.33% (stronger) |
| Return on assets | -2.50% | 1.08% (stronger) |
| Loans ÷ deposits | 78.7% | 46.3% (stronger) |
| Uninsured deposits | 52.8% | 5.1% (stronger) |
| Offices | 11 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.2% | 7.7% |
TVA Community 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 TVA Community Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Florence, AL
- Muscle Shoals, AL
- Killen, AL