Side-by-side · Q2 2026 data
Southern Security Federal Credit Union vs Employee Resources Credit Union
Credit union
Southern Security Federal Credit Union
Collierville, Tennessee · $100 million – $1 billion
Credit union
Employee Resources Credit Union
Lawrenceburg, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Southern Security Federal Credit Union | Employee Resources Credit Union |
|---|---|---|
| TellerScore | 51 | 62 (stronger) |
| Capital cushion | 51 (stronger) | 45 |
| Loan quality | 43 | 81 (stronger) |
| Earnings | 27 | 42 (stronger) |
| Funding & liquidity | 80 (stronger) | 72 |
| Problem-loan coverage | 74 | 89 (stronger) |
| Peer percentile | 7th | 26th |
| Total assets | $251.9M | $185.5M |
| Deposits / shares | $226.2M | $167.6M |
| Capital ratio | 10.11% (stronger) | 9.46% |
| Problem loans | 1.72% | 0.58% (stronger) |
| Net charge-offs | 0.39% (stronger) | 0.60% |
| Return on assets | 0.17% | 0.54% (stronger) |
| Loans ÷ deposits | 80.6% (stronger) | 88.7% |
| Uninsured deposits | 5.9% (stronger) | 7.0% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Employee Resources Credit Union has the higher TellerScore (62 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Southern Security Federal Credit Union leads on 4 and Employee Resources Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.