Side-by-side · Q2 2026 data
First State Bank vs Southernmost Federal Credit Union
Metric by metric
| Measure | First State Bank | Southernmost Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 80 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 41 (stronger) | 15 |
| Funding & liquidity | 60 | 80 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 44th | 65th |
| Total assets | $1.2B | $16.1M |
| Deposits / shares | $1.1B | $12.8M |
| Capital ratio | 10.32% | 18.77% (stronger) |
| Problem loans | 0.15% | 0.00% (stronger) |
| Net charge-offs | -0.06% | -0.08% (stronger) |
| Return on assets | 0.52% (stronger) | -0.12% |
| Loans ÷ deposits | 74.5% (stronger) | 80.4% |
| Uninsured deposits | 38.0% | 3.5% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southernmost Federal Credit Union has the higher TellerScore (80 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Southernmost 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.