Side-by-side · Q2 2026 data
First Southern Bank vs Sunbelt Federal Credit Union
Credit union
Sunbelt Federal Credit Union
Hattiesburg, Mississippi · $100 million – $1 billion
Metric by metric
| Measure | First Southern Bank | Sunbelt Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 85 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 100 (stronger) | 87 |
| Earnings | 95 (stronger) | 56 |
| Funding & liquidity | 79 | 82 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 84th | 87th |
| Total assets | $317.3M | $366.4M |
| Deposits / shares | $271.4M | $305.2M |
| Capital ratio | 10.57% | 16.22% (stronger) |
| Problem loans | 0.00% (stronger) | 0.39% |
| Net charge-offs | 0.09% (stronger) | 1.06% |
| Return on assets | 1.89% (stronger) | 0.90% |
| Loans ÷ deposits | 54.2% (stronger) | 77.9% |
| Uninsured deposits | 34.1% | 7.8% (stronger) |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.9% |
Sunbelt Federal Credit Union has the higher TellerScore (85 vs 83). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 4 and Sunbelt Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.