Side-by-side · Q2 2026 data
Gulf Atlantic Bank vs Southernmost Federal Credit Union
Metric by metric
| Measure | Gulf Atlantic Bank | Southernmost Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 80 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 47 (stronger) | 15 |
| Funding & liquidity | 46 | 80 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 22nd | 65th |
| Total assets | $253.2M | $16.1M |
| Deposits / shares | $213.0M | $12.8M |
| Capital ratio | 9.38% | 18.77% (stronger) |
| Problem loans | 0.20% | 0.00% (stronger) |
| Net charge-offs | 0.19% | -0.08% (stronger) |
| Return on assets | 0.68% (stronger) | -0.12% |
| Loans ÷ deposits | 89.1% | 80.4% (stronger) |
| Uninsured deposits | 37.7% | 3.5% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southernmost Federal Credit Union has the higher TellerScore (80 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Gulf Atlantic Bank leads on 1 and Southernmost Federal 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.