Side-by-side · Q2 2026 data
Fnb South vs Berrien Teachers Federal Credit Union
Credit union
Berrien Teachers Federal Credit Union
Nashville, Georgia · Under $100 million in assets
Metric by metric
| Measure | Fnb South | Berrien Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 60 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 100 (stronger) | 36 |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 74 |
| Peer percentile | 99th | 22nd |
| Total assets | $734.8M | $1.4M |
| Deposits / shares | $610.4M | $1.1M |
| Capital ratio | 16.24% | 18.77% (stronger) |
| Problem loans | 0.00% (stronger) | 7.51% |
| Net charge-offs | -1.45% (stronger) | 0.53% |
| Return on assets | 2.64% (stronger) | 0.40% |
| Loans ÷ deposits | 78.9% | 42.2% (stronger) |
| Uninsured deposits | 29.7% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fnb South has the higher TellerScore (95 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Fnb South leads on 4 and Berrien Teachers Federal Credit Union on 3. 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.