Side-by-side · Q2 2026 data
Southern Security Federal Credit Union vs Light Commerce Credit Union
Credit union
Southern Security Federal Credit Union
Collierville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Southern Security Federal Credit Union | Light Commerce Credit Union |
|---|---|---|
| TellerScore | 51 | 92 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 43 | 69 (stronger) |
| Earnings | 27 | 100 (stronger) |
| Funding & liquidity | 80 | 98 (stronger) |
| Problem-loan coverage | 74 | 97 (stronger) |
| Peer percentile | 7th | 92nd |
| Total assets | $251.9M | $5.0M |
| Deposits / shares | $226.2M | $3.6M |
| Capital ratio | 10.11% | 26.81% (stronger) |
| Problem loans | 1.72% | 0.93% (stronger) |
| Net charge-offs | 0.39% (stronger) | 0.57% |
| Return on assets | 0.17% | 2.37% (stronger) |
| Loans ÷ deposits | 80.6% | 62.1% (stronger) |
| Uninsured deposits | 5.9% | 0.4% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Light Commerce Credit Union has the higher TellerScore (92 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Southern Security Federal Credit Union leads on 1 and Light Commerce Credit Union on 6. 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.