Side-by-side · Q2 2026 data
Southern Bank and Trust Company vs Marine Federal Credit Union
Credit union
Marine Federal Credit Union
Jacksonville, North Carolina · $1 billion – $10 billion
Metric by metric
| Measure | Southern Bank and Trust Company | Marine Federal Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 57 |
| Capital cushion | 46 | 54 (stronger) |
| Loan quality | 96 (stronger) | 55 |
| Earnings | 76 (stronger) | 43 |
| Funding & liquidity | 50 | 73 (stronger) |
| Problem-loan coverage | 98 (stronger) | 79 |
| Peer percentile | 58th | 17th |
| Total assets | $5.3B | $1.1B |
| Deposits / shares | $4.8B | $981.1M |
| Capital ratio | 9.63% | 10.41% (stronger) |
| Problem loans | 0.12% (stronger) | 1.36% |
| Net charge-offs | 0.00% (stronger) | 1.82% |
| Return on assets | 1.40% (stronger) | 0.58% |
| Loans ÷ deposits | 73.9% (stronger) | 87.0% |
| Uninsured deposits | 47.7% | 7.9% (stronger) |
| Offices | 56 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 18.7% |
Southern Bank and Trust Company has the higher TellerScore (70 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank and Trust Company leads on 5 and Marine Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.