Side-by-side · Q2 2026 data
First Southern State Bank vs Rome Kraft Employees Credit Union
Credit union
Rome Kraft Employees Credit Union
Coosa, Georgia · Under $100 million in assets
Metric by metric
| Measure | First Southern State Bank | Rome Kraft Employees Credit Union |
|---|---|---|
| TellerScore | 77 | 89 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 92 (stronger) | 84 |
| Earnings | 78 | 95 (stronger) |
| Funding & liquidity | 80 (stronger) | 63 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 68th | 87th |
| Total assets | $893.5M | $23.0M |
| Deposits / shares | $807.2M | $17.3M |
| Capital ratio | 10.59% | 24.71% (stronger) |
| Problem loans | 0.25% (stronger) | 0.49% |
| Net charge-offs | 0.12% (stronger) | 0.13% |
| Return on assets | 1.46% | 1.88% (stronger) |
| Loans ÷ deposits | 61.3% (stronger) | 97.4% |
| Uninsured deposits | 31.9% | 9.5% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Rome Kraft Employees Credit Union has the higher TellerScore (89 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First Southern State Bank leads on 3 and Rome Kraft Employees Credit Union on 4. 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.