Side-by-side · Q2 2026 data
Fortera Federal Credit Union vs First South Financial Federal Credit Union
Credit union
First South Financial Federal Credit Union
Bartlett, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Fortera Federal Credit Union | First South Financial Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 95 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 78 | 93 (stronger) |
| Earnings | 79 | 99 (stronger) |
| Funding & liquidity | 70 | 77 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 74th | 98th |
| Total assets | $946.7M | $844.8M |
| Deposits / shares | $819.3M | $576.4M |
| Capital ratio | 12.69% | 30.23% (stronger) |
| Problem loans | 0.65% | 0.22% (stronger) |
| Net charge-offs | 0.98% | 0.91% (stronger) |
| Return on assets | 1.47% | 1.97% (stronger) |
| Loans ÷ deposits | 90.0% | 83.0% (stronger) |
| Uninsured deposits | 9.0% (stronger) | 12.3% |
| Offices | 6 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.6% | — |
First South Financial Federal Credit Union has the higher TellerScore (95 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Fortera Federal Credit Union leads on 1 and First South Financial Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.