Side-by-side · Q2 2026 data
Pinnacle Bank vs First South Financial Federal Credit Union
Credit union
First South Financial Federal Credit Union
Bartlett, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Pinnacle Bank | First South Financial Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 95 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 84 | 93 (stronger) |
| Earnings | 63 | 99 (stronger) |
| Funding & liquidity | 36 | 77 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 37th | 98th |
| Total assets | $128.8B | $844.8M |
| Deposits / shares | $102.2B | $576.4M |
| Capital ratio | 8.97% | 30.23% (stronger) |
| Problem loans | 0.48% | 0.22% (stronger) |
| Net charge-offs | 0.27% (stronger) | 0.91% |
| Return on assets | 1.08% | 1.97% (stronger) |
| Loans ÷ deposits | 85.8% | 83.0% (stronger) |
| Uninsured deposits | 49.5% | 12.3% (stronger) |
| Offices | 377 | 14 |
| CFPB complaints (3 yrs) | 750 | — |
| Complaints per $1B deposits | 7.3 | — |
| Mortgage denial rate (HMDA) | 17.5% | — |
First South Financial Federal Credit Union has the higher TellerScore (95 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Pinnacle Bank leads on 1 and First South Financial Federal Credit Union on 6. 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.