Side-by-side · Q2 2026 data
Patriot Bank vs TVA Mid-South Federal Credit Union
Credit union
TVA Mid-South Federal Credit Union
Memphis, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Patriot Bank | TVA Mid-South Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 85 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 51 | 100 (stronger) |
| Earnings | 35 (stronger) | 24 |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 10th | 77th |
| Total assets | $451.2M | $3.2M |
| Deposits / shares | $402.3M | $2.7M |
| Capital ratio | 9.89% | 17.37% (stronger) |
| Problem loans | 1.47% | 0.00% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 0.38% (stronger) | 0.09% |
| Loans ÷ deposits | 62.8% | 30.3% (stronger) |
| Uninsured deposits | 32.1% | 0.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
TVA Mid-South Federal Credit Union has the higher TellerScore (85 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Patriot Bank leads on 2 and TVA Mid-South Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Atoka, TN