Side-by-side · Q2 2026 data
Southern Independent Bank vs Five Star Credit Union
Metric by metric
| Measure | Southern Independent Bank | Five Star Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 72 |
| Capital cushion | 86 | 88 (stronger) |
| Loan quality | 97 (stronger) | 50 |
| Earnings | 64 (stronger) | 63 |
| Funding & liquidity | 95 (stronger) | 81 |
| Problem-loan coverage | 99 (stronger) | 84 |
| Peer percentile | 91st | 66th |
| Total assets | $395.3M | $1.3B |
| Deposits / shares | $336.5M | $1.1B |
| Capital ratio | 13.63% | 13.82% (stronger) |
| Problem loans | 0.08% (stronger) | 1.50% |
| Net charge-offs | 0.04% (stronger) | 0.53% |
| Return on assets | 1.11% (stronger) | 1.09% |
| Loans ÷ deposits | 53.1% (stronger) | 79.2% |
| Uninsured deposits | 19.5% | 11.8% (stronger) |
| Offices | 3 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 27.7% |
Southern Independent Bank has the higher TellerScore (87 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Southern Independent Bank leads on 5 and Five Star Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.