Side-by-side · Q2 2026 data
First Southern State Bank vs Nucor Employees Federal Credit Union
Credit union
Nucor Employees Federal Credit Union
Fort Payne, Alabama · Under $100 million in assets
Metric by metric
| Measure | First Southern State Bank | Nucor Employees Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 86 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 78 (stronger) | 34 |
| Funding & liquidity | 80 | 94 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 68th | 80th |
| Total assets | $893.5M | $2.2M |
| Deposits / shares | $807.2M | $1.5M |
| Capital ratio | 10.59% | 30.69% (stronger) |
| Problem loans | 0.25% | 0.00% (stronger) |
| Net charge-offs | 0.12% | 0.00% (stronger) |
| Return on assets | 1.46% (stronger) | 0.34% |
| Loans ÷ deposits | 61.3% (stronger) | 66.6% |
| Uninsured deposits | 31.9% | 0.2% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Nucor Employees Federal Credit Union has the higher TellerScore (86 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First Southern State Bank leads on 2 and Nucor Employees Federal Credit Union on 5. 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.