Side-by-side · Q2 2026 data
Pacific Service Credit Union vs Southland Credit Union
Metric by metric
| Measure | Pacific Service Credit Union | Southland Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 49 |
| Capital cushion | 100 (stronger) | 36 |
| Loan quality | 88 (stronger) | 51 |
| Earnings | 50 (stronger) | 33 |
| Funding & liquidity | 70 | 78 (stronger) |
| Problem-loan coverage | 96 (stronger) | 76 |
| Peer percentile | 91st | 5th |
| Total assets | $1.3B | $1.3B |
| Deposits / shares | $1.1B | $1.1B |
| Capital ratio | 15.54% (stronger) | 8.56% |
| Problem loans | 0.35% (stronger) | 1.48% |
| Net charge-offs | 0.58% (stronger) | 0.65% |
| Return on assets | 0.76% (stronger) | 0.32% |
| Loans ÷ deposits | 90.6% | 82.7% (stronger) |
| Uninsured deposits | 4.5% (stronger) | 8.0% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.9% | 38.8% |
Pacific Service Credit Union has the higher TellerScore (82 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Pacific Service Credit Union leads on 6 and Southland Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.