Side-by-side · Q2 2026 data
First Southern Bank vs S T S P Federal Credit Union
Metric by metric
| Measure | First Southern Bank | S T S P Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 68 |
| Capital cushion | 56 (stronger) | 44 |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 95 (stronger) | 54 |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 84th | 36th |
| Total assets | $317.3M | $779K |
| Deposits / shares | $271.4M | $706K |
| Capital ratio | 10.57% (stronger) | 9.42% |
| Problem loans | 0.00% (stronger) | 0.62% |
| Net charge-offs | 0.09% | 0.00% (stronger) |
| Return on assets | 1.89% (stronger) | 0.86% |
| Loans ÷ deposits | 54.2% (stronger) | 54.7% |
| Uninsured deposits | 34.1% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Southern Bank has the higher TellerScore (83 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 5 and S T S P Federal Credit Union on 2. 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.