Side-by-side · Q2 2026 data
Southern Bank and Trust Company vs Guco Credit Union
Metric by metric
| Measure | Southern Bank and Trust Company | Guco Credit Union |
|---|---|---|
| TellerScore | 70 | 81 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 96 | 96 |
| Earnings | 76 (stronger) | 30 |
| Funding & liquidity | 50 | 77 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 58th | 68th |
| Total assets | $5.3B | $10.2M |
| Deposits / shares | $4.8B | $8.4M |
| Capital ratio | 9.63% | 17.82% (stronger) |
| Problem loans | 0.12% (stronger) | 0.13% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.40% (stronger) | 0.24% |
| Loans ÷ deposits | 73.9% (stronger) | 83.3% |
| Uninsured deposits | 47.7% | 2.2% (stronger) |
| Offices | 56 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Guco Credit Union has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank and Trust Company leads on 4 and Guco Credit Union on 3. 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.