Side-by-side · Q2 2026 data
Keys Federal Credit Union vs Southernmost Federal Credit Union
Metric by metric
| Measure | Keys Federal Credit Union | Southernmost Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 80 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 71 | 100 (stronger) |
| Earnings | 31 (stronger) | 15 |
| Funding & liquidity | 80 | 80 |
| Problem-loan coverage | 81 | 100 (stronger) |
| Peer percentile | 26th | 65th |
| Total assets | $253.2M | $16.1M |
| Deposits / shares | $218.6M | $12.8M |
| Capital ratio | 10.98% | 18.77% (stronger) |
| Problem loans | 0.88% | 0.00% (stronger) |
| Net charge-offs | 1.66% | -0.08% (stronger) |
| Return on assets | 0.28% (stronger) | -0.12% |
| Loans ÷ deposits | 80.6% | 80.4% (stronger) |
| Uninsured deposits | 7.4% | 3.5% (stronger) |
| Offices | 2 | 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), Keys Federal Credit Union 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.