Side-by-side · Q2 2026 data
One South Federal Credit Union vs Southern Coastal Federal Credit Union
Credit union
One South Federal Credit Union
Natchez, Mississippi · Under $100 million in assets
Credit union
Southern Coastal Federal Credit Union
Biloxi, Mississippi · Under $100 million in assets
Metric by metric
| Measure | One South Federal Credit Union | Southern Coastal Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 81 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 77 (stronger) |
| Earnings | 21 | 55 (stronger) |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 86 | 95 (stronger) |
| Peer percentile | 19th | 68th |
| Total assets | $16.7M | $14.0M |
| Deposits / shares | $13.9M | $11.4M |
| Capital ratio | 21.16% (stronger) | 18.21% |
| Problem loans | 3.42% | 0.68% (stronger) |
| Net charge-offs | 1.44% | 0.18% (stronger) |
| Return on assets | 0.03% | 0.87% (stronger) |
| Loans ÷ deposits | 53.8% (stronger) | 86.2% |
| Uninsured deposits | 0.4% | 0.0% (stronger) |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Coastal Federal Credit Union has the higher TellerScore (81 vs 58). On the 7 directional measures above (where higher or lower is clearly better), One South Federal Credit Union leads on 2 and Southern Coastal Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.