Side-by-side · Q2 2026 data
Legacy Community Federal Credit Union vs Winsouth Credit Union
Credit union
Legacy Community Federal Credit Union
Birmingham, Alabama · $100 million – $1 billion
Metric by metric
| Measure | Legacy Community Federal Credit Union | Winsouth Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 68 |
| Capital cushion | 83 (stronger) | 54 |
| Loan quality | 45 | 78 (stronger) |
| Earnings | 54 (stronger) | 50 |
| Funding & liquidity | 93 (stronger) | 91 |
| Problem-loan coverage | 84 | 90 (stronger) |
| Peer percentile | 48th | 45th |
| Total assets | $727.2M | $479.4M |
| Deposits / shares | $631.6M | $438.7M |
| Capital ratio | 13.28% (stronger) | 10.41% |
| Problem loans | 1.64% | 0.65% (stronger) |
| Net charge-offs | 0.31% (stronger) | 0.62% |
| Return on assets | 0.84% (stronger) | 0.74% |
| Loans ÷ deposits | 67.6% (stronger) | 69.6% |
| Uninsured deposits | 6.1% (stronger) | 8.2% |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | 39.4% |
Legacy Community Federal Credit Union has the higher TellerScore (69 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Legacy Community Federal Credit Union leads on 6 and Winsouth Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.