Side-by-side · Q2 2026 data
Monroe County Teachers Federal Credit Union vs Southernmost Federal Credit Union
Credit union
Monroe County Teachers Federal Credit Union
Key West, Florida · Under $100 million in assets
Metric by metric
| Measure | Monroe County Teachers Federal Credit Union | Southernmost Federal Credit Union |
|---|---|---|
| TellerScore | 38 | 80 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 30 | 100 (stronger) |
| Earnings | 0 | 15 (stronger) |
| Funding & liquidity | 84 (stronger) | 80 |
| Problem-loan coverage | 51 | 100 (stronger) |
| Peer percentile | 3rd | 65th |
| Total assets | $24.0M | $16.1M |
| Deposits / shares | $21.6M | $12.8M |
| Capital ratio | 9.39% | 18.77% (stronger) |
| Problem loans | 2.09% | 0.00% (stronger) |
| Net charge-offs | 1.63% | -0.08% (stronger) |
| Return on assets | -1.97% | -0.12% (stronger) |
| Loans ÷ deposits | 76.0% (stronger) | 80.4% |
| Uninsured deposits | 3.4% (stronger) | 3.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southernmost Federal Credit Union has the higher TellerScore (80 vs 38). On the 7 directional measures above (where higher or lower is clearly better), Monroe County Teachers Federal Credit Union leads on 2 and Southernmost Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.