Side-by-side · Q2 2026 data
FSNB, National Association 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 | FSNB, National Association | First South Financial Federal Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 95 |
| Capital cushion | 100 | 100 |
| Loan quality | 88 | 93 (stronger) |
| Earnings | 100 (stronger) | 99 |
| Funding & liquidity | 100 (stronger) | 77 |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 99th | 98th |
| Total assets | $478.3M | $844.8M |
| Deposits / shares | $369.7M | $576.4M |
| Capital ratio | 17.51% | 30.23% (stronger) |
| Problem loans | 0.36% | 0.22% (stronger) |
| Net charge-offs | 1.02% | 0.91% (stronger) |
| Return on assets | 3.46% (stronger) | 1.97% |
| Loans ÷ deposits | 39.2% (stronger) | 83.0% |
| Uninsured deposits | 8.2% (stronger) | 12.3% |
| Offices | 66 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
FSNB, National Association has the higher TellerScore (96 vs 95). On the 7 directional measures above (where higher or lower is clearly better), FSNB, National Association leads on 4 and First South Financial Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.