Side-by-side · Q2 2026 data
Southernmost Federal Credit Union vs Financial Educators Federal Credit Union
Credit union
Financial Educators Federal Credit Union
Daytona Beach, Florida · Under $100 million in assets
Metric by metric
| Measure | Southernmost Federal Credit Union | Financial Educators Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 | 100 |
| Earnings | 15 | 49 (stronger) |
| Funding & liquidity | 80 | 99 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 65th | 89th |
| Total assets | $16.1M | $23.5M |
| Deposits / shares | $12.8M | $19.7M |
| Capital ratio | 18.77% (stronger) | 15.68% |
| Problem loans | 0.00% (stronger) | 0.00% |
| Net charge-offs | -0.08% (stronger) | 0.77% |
| Return on assets | -0.12% | 0.73% (stronger) |
| Loans ÷ deposits | 80.4% | 60.9% (stronger) |
| Uninsured deposits | 3.5% (stronger) | 9.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Financial Educators Federal Credit Union has the higher TellerScore (90 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Southernmost Federal Credit Union leads on 4 and Financial Educators Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.