Side-by-side · Q2 2026 data
Independent Bank 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 | Independent Bank | First South Financial Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 95 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 72 | 93 (stronger) |
| Earnings | 70 | 99 (stronger) |
| Funding & liquidity | 67 | 77 (stronger) |
| Problem-loan coverage | 86 | 99 (stronger) |
| Peer percentile | 44th | 98th |
| Total assets | $1.9B | $844.8M |
| Deposits / shares | $1.6B | $576.4M |
| Capital ratio | 10.60% | 30.23% (stronger) |
| Problem loans | 0.85% | 0.22% (stronger) |
| Net charge-offs | 0.36% (stronger) | 0.91% |
| Return on assets | 1.26% | 1.97% (stronger) |
| Loans ÷ deposits | 81.4% (stronger) | 83.0% |
| Uninsured deposits | 25.4% | 12.3% (stronger) |
| Offices | 9 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First South Financial Federal Credit Union has the higher TellerScore (95 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Independent Bank leads on 2 and First South Financial Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.