Side-by-side · Q2 2026 data
Southern First Bank vs Curis Financial Credit Union
Credit union
Curis Financial Credit Union
Columbia, South Carolina · Under $100 million in assets
Metric by metric
| Measure | Southern First Bank | Curis Financial Credit Union |
|---|---|---|
| TellerScore | 59 | 82 (stronger) |
| Capital cushion | 39 | 100 (stronger) |
| Loan quality | 91 (stronger) | 80 |
| Earnings | 58 (stronger) | 39 |
| Funding & liquidity | 26 | 95 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 19th | 70th |
| Total assets | $4.7B | $84.3M |
| Deposits / shares | $4.0B | $64.4M |
| Capital ratio | 8.89% | 23.49% (stronger) |
| Problem loans | 0.28% (stronger) | 0.59% |
| Net charge-offs | 0.01% (stronger) | 0.32% |
| Return on assets | 0.96% (stronger) | 0.47% |
| Loans ÷ deposits | 99.8% | 65.7% (stronger) |
| Uninsured deposits | 45.9% | 4.4% (stronger) |
| Offices | 12 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.6% | — |
Curis Financial Credit Union has the higher TellerScore (82 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Southern First Bank leads on 3 and Curis Financial Credit Union on 4. 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.