Side-by-side · Q2 2026 data
Southern Heritage Bank vs District 58 Federal Credit Union
Metric by metric
| Measure | Southern Heritage Bank | District 58 Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 80 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 76 | 84 (stronger) |
| Earnings | 88 (stronger) | 41 |
| Funding & liquidity | 75 (stronger) | 74 |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 53rd | 65th |
| Total assets | $397.9M | $6.1M |
| Deposits / shares | $355.1M | $5.1M |
| Capital ratio | 10.54% | 16.18% (stronger) |
| Problem loans | 0.72% | 0.48% (stronger) |
| Net charge-offs | 0.29% | -0.08% (stronger) |
| Return on assets | 1.70% (stronger) | 0.53% |
| Loans ÷ deposits | 80.6% (stronger) | 86.2% |
| Uninsured deposits | 18.9% | 0.0% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
District 58 Federal Credit Union has the higher TellerScore (80 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Southern Heritage Bank leads on 2 and District 58 Federal Credit Union on 5. 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.