Side-by-side · Q2 2026 data
Southern Independent Bank vs Walton County Teachers Federal Credit Union
Credit union
Walton County Teachers Federal Credit Union
Defuniak Spring, Florida · Under $100 million in assets
Metric by metric
| Measure | Southern Independent Bank | Walton County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 81 |
| Capital cushion | 86 (stronger) | 59 |
| Loan quality | 97 (stronger) | 85 |
| Earnings | 64 | 87 (stronger) |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 91st | 68th |
| Total assets | $395.3M | $30.1M |
| Deposits / shares | $336.5M | $26.6M |
| Capital ratio | 13.63% (stronger) | 10.89% |
| Problem loans | 0.08% (stronger) | 0.45% |
| Net charge-offs | 0.04% (stronger) | 0.30% |
| Return on assets | 1.11% | 1.66% (stronger) |
| Loans ÷ deposits | 53.1% | 52.1% (stronger) |
| Uninsured deposits | 19.5% | 1.2% (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 81). On the 7 directional measures above (where higher or lower is clearly better), Southern Independent Bank leads on 4 and Walton County Teachers Federal Credit Union on 3. 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.