Side-by-side · Q2 2026 data
Membersfirst Credit Union vs The Southern Credit Union
Metric by metric
| Measure | Membersfirst Credit Union | The Southern Credit Union |
|---|---|---|
| TellerScore | 76 | 76 |
| Capital cushion | 67 (stronger) | 66 |
| Loan quality | 93 | 97 (stronger) |
| Earnings | 52 (stronger) | 37 |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 68th | 68th |
| Total assets | $429.0M | $560.2M |
| Deposits / shares | $376.8M | $499.1M |
| Capital ratio | 11.73% (stronger) | 11.60% |
| Problem loans | 0.20% | 0.10% (stronger) |
| Net charge-offs | 0.25% | 0.15% (stronger) |
| Return on assets | 0.80% (stronger) | 0.43% |
| Loans ÷ deposits | 78.0% | 42.0% (stronger) |
| Uninsured deposits | 3.7% (stronger) | 6.3% |
| Offices | 13 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Membersfirst Credit Union leads on 3 and The Southern Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.