Side-by-side · Q2 2026 data
Southern Independent Bank vs Covington Schools Federal Credit Union
Credit union
Covington Schools Federal Credit Union
Andalusia, Alabama · Under $100 million in assets
Metric by metric
| Measure | Southern Independent Bank | Covington Schools Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 54 |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 97 (stronger) | 0 |
| Earnings | 64 (stronger) | 0 |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 85 |
| Peer percentile | 91st | 13th |
| Total assets | $395.3M | $22.4M |
| Deposits / shares | $336.5M | $15.2M |
| Capital ratio | 13.63% | 31.62% (stronger) |
| Problem loans | 0.08% (stronger) | 6.12% |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.11% (stronger) | -7.81% |
| Loans ÷ deposits | 53.1% | 52.5% (stronger) |
| Uninsured deposits | 19.5% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Independent Bank has the higher TellerScore (87 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Southern Independent Bank leads on 3 and Covington Schools Federal Credit Union on 4. 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.