Side-by-side · Q2 2026 data
Southern Bank vs River to River Credit Union
Metric by metric
| Measure | Southern Bank | River to River Credit Union |
|---|---|---|
| TellerScore | 70 | 97 (stronger) |
| Capital cushion | 54 | 97 (stronger) |
| Loan quality | 79 | 92 (stronger) |
| Earnings | 81 | 100 (stronger) |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 58th | 98th |
| Total assets | $5.2B | $29.7M |
| Deposits / shares | $4.4B | $25.3M |
| Capital ratio | 10.45% | 14.65% (stronger) |
| Problem loans | 0.63% | 0.23% (stronger) |
| Net charge-offs | 0.22% | 0.12% (stronger) |
| Return on assets | 1.53% | 2.25% (stronger) |
| Loans ÷ deposits | 98.1% | 59.3% (stronger) |
| Uninsured deposits | 18.9% | 0.8% (stronger) |
| Offices | 64 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
River to River Credit Union has the higher TellerScore (97 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank leads on 0 and River to River Credit Union on 7. 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.