Side-by-side · Q2 2026 data
Southern Credit Union vs Bcbst Employees Credit Union
Credit union
Bcbst Employees Credit Union
Chattanooga, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Southern Credit Union | Bcbst Employees Credit Union |
|---|---|---|
| TellerScore | 43 | 90 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 0 | 96 (stronger) |
| Earnings | 0 | 53 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 76 | 100 (stronger) |
| Peer percentile | 4th | 89th |
| Total assets | $18.1M | $8.3M |
| Deposits / shares | $15.9M | $6.2M |
| Capital ratio | 11.81% | 25.64% (stronger) |
| Problem loans | 3.48% | 0.11% (stronger) |
| Net charge-offs | 0.39% | 0.17% (stronger) |
| Return on assets | -0.69% | 0.82% (stronger) |
| Loans ÷ deposits | 46.0% | 30.9% (stronger) |
| Uninsured deposits | 6.6% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bcbst Employees Credit Union has the higher TellerScore (90 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Southern Credit Union leads on 0 and Bcbst Employees Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.