Side-by-side · Q2 2026 data
Southern Hills Community Bank vs Atomic Credit Union
Metric by metric
| Measure | Southern Hills Community Bank | Atomic Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 64 |
| Capital cushion | 88 (stronger) | 36 |
| Loan quality | 47 | 92 (stronger) |
| Earnings | 45 | 54 (stronger) |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 86 | 95 (stronger) |
| Peer percentile | 47th | 31st |
| Total assets | $209.6M | $855.4M |
| Deposits / shares | $179.5M | $776.0M |
| Capital ratio | 13.77% (stronger) | 8.57% |
| Problem loans | 1.58% | 0.24% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.41% |
| Return on assets | 0.62% | 0.85% (stronger) |
| Loans ÷ deposits | 57.2% (stronger) | 92.1% |
| Uninsured deposits | 14.9% | 9.7% (stronger) |
| Offices | 8 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.4% | 42.9% |
Southern Hills Community Bank has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Southern Hills Community Bank leads on 4 and Atomic Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.