Side-by-side · Q2 2026 data
First Southern State Bank vs Coosa Valley Credit Union
Metric by metric
| Measure | First Southern State Bank | Coosa Valley Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 65 |
| Capital cushion | 56 (stronger) | 45 |
| Loan quality | 92 (stronger) | 80 |
| Earnings | 78 (stronger) | 63 |
| Funding & liquidity | 80 (stronger) | 71 |
| Problem-loan coverage | 94 (stronger) | 87 |
| Peer percentile | 68th | 34th |
| Total assets | $893.5M | $765.9M |
| Deposits / shares | $807.2M | $678.1M |
| Capital ratio | 10.59% (stronger) | 9.53% |
| Problem loans | 0.25% (stronger) | 0.61% |
| Net charge-offs | 0.12% (stronger) | 0.52% |
| Return on assets | 1.46% (stronger) | 1.08% |
| Loans ÷ deposits | 61.3% (stronger) | 89.4% |
| Uninsured deposits | 31.9% | 5.7% (stronger) |
| Offices | 11 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
First Southern State Bank has the higher TellerScore (77 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First Southern State Bank leads on 6 and Coosa Valley Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.