Side-by-side · Q2 2026 data
Four Seasons Federal Credit Union vs The Southern Credit Union
Metric by metric
| Measure | Four Seasons Federal Credit Union | The Southern Credit Union |
|---|---|---|
| TellerScore | 58 | 76 (stronger) |
| Capital cushion | 36 | 66 (stronger) |
| Loan quality | 49 | 97 (stronger) |
| Earnings | 63 (stronger) | 37 |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 79 | 99 (stronger) |
| Peer percentile | 16th | 68th |
| Total assets | $103.7M | $560.2M |
| Deposits / shares | $93.2M | $499.1M |
| Capital ratio | 8.64% | 11.60% (stronger) |
| Problem loans | 1.53% | 0.10% (stronger) |
| Net charge-offs | 1.39% | 0.15% (stronger) |
| Return on assets | 1.08% (stronger) | 0.43% |
| Loans ÷ deposits | 64.6% | 42.0% (stronger) |
| Uninsured deposits | 9.4% | 6.3% (stronger) |
| Offices | 2 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Southern Credit Union has the higher TellerScore (76 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Four Seasons Federal Credit Union leads on 1 and The Southern Credit Union on 6. 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.