Side-by-side · Q2 2026 data
Southern First Bank vs Founders Federal Credit Union
Metric by metric
| Measure | Southern First Bank | Founders Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 79 (stronger) |
| Capital cushion | 39 | 86 (stronger) |
| Loan quality | 91 (stronger) | 77 |
| Earnings | 58 | 77 (stronger) |
| Funding & liquidity | 26 | 66 (stronger) |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 19th | 86th |
| Total assets | $4.7B | $5.2B |
| Deposits / shares | $4.0B | $4.4B |
| Capital ratio | 8.89% | 13.62% (stronger) |
| Problem loans | 0.28% (stronger) | 0.68% |
| Net charge-offs | 0.01% (stronger) | 1.07% |
| Return on assets | 0.96% | 1.43% (stronger) |
| Loans ÷ deposits | 99.8% | 94.2% (stronger) |
| Uninsured deposits | 45.9% | 11.4% (stronger) |
| Offices | 12 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.6% | 26.2% |
Founders Federal Credit Union has the higher TellerScore (79 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Southern First Bank leads on 2 and Founders Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.