Side-by-side · Q2 2026 data
Southern Security Federal Credit Union vs Bowater Employees Credit Union
Credit union
Southern Security Federal Credit Union
Collierville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Southern Security Federal Credit Union | Bowater Employees Credit Union |
|---|---|---|
| TellerScore | 51 | 75 (stronger) |
| Capital cushion | 51 | 58 (stronger) |
| Loan quality | 43 | 75 (stronger) |
| Earnings | 27 | 90 (stronger) |
| Funding & liquidity | 80 (stronger) | 79 |
| Problem-loan coverage | 74 | 89 (stronger) |
| Peer percentile | 7th | 66th |
| Total assets | $251.9M | $302.6M |
| Deposits / shares | $226.2M | $267.9M |
| Capital ratio | 10.11% | 10.77% (stronger) |
| Problem loans | 1.72% | 0.74% (stronger) |
| Net charge-offs | 0.39% (stronger) | 0.49% |
| Return on assets | 0.17% | 1.74% (stronger) |
| Loans ÷ deposits | 80.6% (stronger) | 81.2% |
| Uninsured deposits | 5.9% (stronger) | 6.9% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.3% |
Bowater Employees Credit Union has the higher TellerScore (75 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Southern Security Federal Credit Union leads on 3 and Bowater Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.