Side-by-side · Q2 2026 data
Southern Independent Bank vs Okaloosa County Teachers Federal Credit Union
Credit union
Okaloosa County Teachers Federal Credit Union
Crestview, Florida · $100 million – $1 billion
Metric by metric
| Measure | Southern Independent Bank | Okaloosa County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 57 |
| Capital cushion | 86 (stronger) | 45 |
| Loan quality | 97 (stronger) | 54 |
| Earnings | 64 (stronger) | 32 |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 91st | 14th |
| Total assets | $395.3M | $135.3M |
| Deposits / shares | $336.5M | $121.2M |
| Capital ratio | 13.63% (stronger) | 9.46% |
| Problem loans | 0.08% (stronger) | 1.39% |
| Net charge-offs | 0.04% (stronger) | 0.77% |
| Return on assets | 1.11% (stronger) | 0.31% |
| Loans ÷ deposits | 53.1% | 45.3% (stronger) |
| Uninsured deposits | 19.5% | 0.7% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Independent Bank has the higher TellerScore (87 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Southern Independent Bank leads on 5 and Okaloosa County Teachers Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.