Side-by-side · Q2 2026 data
FSNB, National Association vs Southeast Financial Credit Union
Credit union
Southeast Financial Credit Union
Franklin, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | FSNB, National Association | Southeast Financial Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 52 |
| Capital cushion | 100 (stronger) | 30 |
| Loan quality | 88 (stronger) | 72 |
| Earnings | 100 (stronger) | 31 |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 92 (stronger) | 81 |
| Peer percentile | 99th | 8th |
| Total assets | $478.3M | $466.8M |
| Deposits / shares | $369.7M | $429.1M |
| Capital ratio | 17.51% (stronger) | 7.98% |
| Problem loans | 0.36% (stronger) | 0.85% |
| Net charge-offs | 1.02% | 0.52% (stronger) |
| Return on assets | 3.46% (stronger) | 0.29% |
| Loans ÷ deposits | 39.2% (stronger) | 86.7% |
| Uninsured deposits | 8.2% | 8.2% (stronger) |
| Offices | 66 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
FSNB, National Association has the higher TellerScore (96 vs 52). On the 7 directional measures above (where higher or lower is clearly better), FSNB, National Association leads on 5 and Southeast Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.