Side-by-side · Q2 2026 data
One South Federal Credit Union vs Mississippi Highway Safty Pat Federal Credit Union
Credit union
One South Federal Credit Union
Natchez, Mississippi · Under $100 million in assets
Credit union
Mississippi Highway Safty Pat Federal Credit Union
Jackson, Mississippi · Under $100 million in assets
Metric by metric
| Measure | One South Federal Credit Union | Mississippi Highway Safty Pat Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 69 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 0 |
| Earnings | 21 | 95 (stronger) |
| Funding & liquidity | 100 (stronger) | 84 |
| Problem-loan coverage | 86 (stronger) | 75 |
| Peer percentile | 19th | 38th |
| Total assets | $16.7M | $13.1M |
| Deposits / shares | $13.9M | $9.3M |
| Capital ratio | 21.16% | 28.43% (stronger) |
| Problem loans | 3.42% (stronger) | 6.62% |
| Net charge-offs | 1.44% | 0.00% (stronger) |
| Return on assets | 0.03% | 1.88% (stronger) |
| Loans ÷ deposits | 53.8% (stronger) | 75.8% |
| Uninsured deposits | 0.4% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mississippi Highway Safty Pat Federal Credit Union has the higher TellerScore (69 vs 58). On the 7 directional measures above (where higher or lower is clearly better), One South Federal Credit Union leads on 2 and Mississippi Highway Safty Pat Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.