Side-by-side · Q2 2026 data
Kinetic Federal Credit Union vs The Southern Credit Union
Metric by metric
| Measure | Kinetic Federal Credit Union | The Southern Credit Union |
|---|---|---|
| TellerScore | 66 | 76 (stronger) |
| Capital cushion | 91 (stronger) | 66 |
| Loan quality | 48 | 97 (stronger) |
| Earnings | 32 | 37 (stronger) |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 84 | 99 (stronger) |
| Peer percentile | 37th | 68th |
| Total assets | $664.6M | $560.2M |
| Deposits / shares | $569.5M | $499.1M |
| Capital ratio | 14.08% (stronger) | 11.60% |
| Problem loans | 1.55% | 0.10% (stronger) |
| Net charge-offs | 1.14% | 0.15% (stronger) |
| Return on assets | 0.31% | 0.43% (stronger) |
| Loans ÷ deposits | 78.3% | 42.0% (stronger) |
| Uninsured deposits | 7.5% | 6.3% (stronger) |
| Offices | 6 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 35.5% | — |
The Southern Credit Union has the higher TellerScore (76 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Kinetic Federal Credit Union leads on 1 and The Southern Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.