Side-by-side · Q2 2026 data
Kemba Delta Federal Credit Union vs First South Financial Federal Credit Union
Credit union
Kemba Delta Federal Credit Union
Bartlett, Tennessee · Under $100 million in assets
Credit union
First South Financial Federal Credit Union
Bartlett, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Kemba Delta Federal Credit Union | First South Financial Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 95 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 93 (stronger) |
| Earnings | 95 | 99 (stronger) |
| Funding & liquidity | 100 (stronger) | 77 |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 47th | 98th |
| Total assets | $31.2M | $844.8M |
| Deposits / shares | $21.4M | $576.4M |
| Capital ratio | 29.45% | 30.23% (stronger) |
| Problem loans | 3.17% | 0.22% (stronger) |
| Net charge-offs | 2.11% | 0.91% (stronger) |
| Return on assets | 1.87% | 1.97% (stronger) |
| Loans ÷ deposits | 46.2% (stronger) | 83.0% |
| Uninsured deposits | 4.9% (stronger) | 12.3% |
| Offices | 2 | 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 73). On the 7 directional measures above (where higher or lower is clearly better), Kemba Delta Federal Credit Union leads on 2 and First South Financial Federal Credit Union on 5. 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.