Side-by-side · Q2 2026 data
Southern Gas Federal Credit Union vs Electric Cooperatives
Credit union
Southern Gas Federal Credit Union
Little Rock, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Southern Gas Federal Credit Union | Electric Cooperatives |
|---|---|---|
| TellerScore | 82 | 94 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 33 | 77 (stronger) |
| Funding & liquidity | 66 | 94 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 70th | 95th |
| Total assets | $5.7M | $18.6M |
| Deposits / shares | $4.2M | $15.8M |
| Capital ratio | 26.10% (stronger) | 15.16% |
| Problem loans | 0.00% (stronger) | 0.08% |
| Net charge-offs | -1.00% (stronger) | 0.03% |
| Return on assets | 0.33% | 1.43% (stronger) |
| Loans ÷ deposits | 93.9% | 66.5% (stronger) |
| Uninsured deposits | 6.8% | 2.9% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Electric Cooperatives has the higher TellerScore (94 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Southern Gas Federal Credit Union leads on 3 and Electric Cooperatives on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.