Side-by-side · Q2 2026 data
First Southern Bank vs Zellco Federal Credit Union
Credit union
Zellco Federal Credit Union
Bogalusa, Louisiana · Under $100 million in assets
Metric by metric
| Measure | First Southern Bank | Zellco Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 89 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 100 (stronger) | 76 |
| Earnings | 95 | 100 (stronger) |
| Funding & liquidity | 79 (stronger) | 69 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 84th | 87th |
| Total assets | $317.3M | $94.5M |
| Deposits / shares | $271.4M | $64.9M |
| Capital ratio | 10.57% | 31.85% (stronger) |
| Problem loans | 0.00% (stronger) | 0.73% |
| Net charge-offs | 0.09% (stronger) | 0.21% |
| Return on assets | 1.89% | 2.15% (stronger) |
| Loans ÷ deposits | 54.2% (stronger) | 91.4% |
| Uninsured deposits | 34.1% | 3.7% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Zellco Federal Credit Union has the higher TellerScore (89 vs 83). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 3 and Zellco Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.