Side-by-side · Q2 2026 data
First Southern Bank vs Valley Credit Union
Metric by metric
| Measure | First Southern Bank | Valley Credit Union |
|---|---|---|
| TellerScore | 18 | 84 (stronger) |
| Capital cushion | 39 | 90 (stronger) |
| Loan quality | 0 | 93 (stronger) |
| Earnings | 0 | 42 (stronger) |
| Funding & liquidity | 40 | 100 (stronger) |
| Problem-loan coverage | 0 | 99 (stronger) |
| Peer percentile | 0th | 86th |
| Total assets | $679.2M | $112.9M |
| Deposits / shares | $577.1M | $98.2M |
| Capital ratio | 8.95% | 13.96% (stronger) |
| Problem loans | 10.86% | 0.20% (stronger) |
| Net charge-offs | 4.60% | 0.43% (stronger) |
| Return on assets | -2.50% | 0.55% (stronger) |
| Loans ÷ deposits | 78.7% | 39.1% (stronger) |
| Uninsured deposits | 52.8% | 3.0% (stronger) |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.2% | — |
Valley Credit Union has the higher TellerScore (84 vs 18). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 0 and Valley 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.