Side-by-side · Q2 2026 data
Southern Credit Union vs Appliance Credit Union
Metric by metric
| Measure | Southern Credit Union | Appliance Credit Union |
|---|---|---|
| TellerScore | 43 | 60 (stronger) |
| Capital cushion | 68 (stronger) | 46 |
| Loan quality | 0 | 61 (stronger) |
| Earnings | 0 | 32 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 76 | 91 (stronger) |
| Peer percentile | 4th | 22nd |
| Total assets | $18.1M | $18.7M |
| Deposits / shares | $15.9M | $16.7M |
| Capital ratio | 11.81% (stronger) | 9.60% |
| Problem loans | 3.48% | 1.17% (stronger) |
| Net charge-offs | 0.39% | 0.26% (stronger) |
| Return on assets | -0.69% | 0.29% (stronger) |
| Loans ÷ deposits | 46.0% | 29.6% (stronger) |
| Uninsured deposits | 6.6% (stronger) | 6.8% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Appliance Credit Union has the higher TellerScore (60 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Southern Credit Union leads on 2 and Appliance Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.