Side-by-side · Q2 2026 data
Southern Heritage Bank vs Concordia Parish School Emp Federal Credit Union
Credit union
Concordia Parish School Emp Federal Credit Union
Ferriday, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Southern Heritage Bank | Concordia Parish School Emp Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 44 |
| Capital cushion | 55 | 57 (stronger) |
| Loan quality | 76 (stronger) | 0 |
| Earnings | 88 (stronger) | 43 |
| Funding & liquidity | 75 | 100 (stronger) |
| Problem-loan coverage | 85 (stronger) | 36 |
| Peer percentile | 53rd | 4th |
| Total assets | $397.9M | $3.2M |
| Deposits / shares | $355.1M | $2.9M |
| Capital ratio | 10.54% | 10.72% (stronger) |
| Problem loans | 0.72% (stronger) | 5.93% |
| Net charge-offs | 0.29% (stronger) | 1.44% |
| Return on assets | 1.70% (stronger) | 0.58% |
| Loans ÷ deposits | 80.6% | 58.8% (stronger) |
| Uninsured deposits | 18.9% | 0.0% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
Southern Heritage Bank has the higher TellerScore (73 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Southern Heritage Bank leads on 4 and Concordia Parish School Emp Federal Credit Union on 3. 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.