Side-by-side · Q2 2026 data
Hialeah Municipal Employees Federal Credit Union vs Southernmost Federal Credit Union
Credit union
Hialeah Municipal Employees Federal Credit Union
Hialeah, Florida · Under $100 million in assets
Metric by metric
| Measure | Hialeah Municipal Employees Federal Credit Union | Southernmost Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 80 |
| Capital cushion | 100 | 100 |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 22 (stronger) | 15 |
| Funding & liquidity | 81 (stronger) | 80 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 68th | 65th |
| Total assets | $14.2M | $16.1M |
| Deposits / shares | $10.9M | $12.8M |
| Capital ratio | 22.90% (stronger) | 18.77% |
| Problem loans | 0.04% | 0.00% (stronger) |
| Net charge-offs | 0.06% | -0.08% (stronger) |
| Return on assets | 0.05% (stronger) | -0.12% |
| Loans ÷ deposits | 78.8% (stronger) | 80.4% |
| Uninsured deposits | 0.0% (stronger) | 3.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hialeah Municipal Employees Federal Credit Union has the higher TellerScore (81 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Hialeah Municipal Employees Federal Credit Union leads on 5 and Southernmost Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.