Side-by-side · Q2 2026 data
SouthernTrust Bank vs A.S.H. Employees Credit Union
Metric by metric
| Measure | SouthernTrust Bank | A.S.H. Employees Credit Union |
|---|---|---|
| TellerScore | 47 | 85 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 14 | 86 (stronger) |
| Earnings | 72 | 72 |
| Funding & liquidity | 48 | 63 (stronger) |
| Problem-loan coverage | 64 | 97 (stronger) |
| Peer percentile | 5th | 77th |
| Total assets | $278.5M | $5.6M |
| Deposits / shares | $192.3M | $4.5M |
| Capital ratio | 10.23% | 19.83% (stronger) |
| Problem loans | 2.59% | 0.43% (stronger) |
| Net charge-offs | 0.35% | -0.31% (stronger) |
| Return on assets | 1.29% | 1.30% (stronger) |
| Loans ÷ deposits | 108.1% | 97.4% (stronger) |
| Uninsured deposits | 18.7% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
A.S.H. Employees Credit Union has the higher TellerScore (85 vs 47). On the 7 directional measures above (where higher or lower is clearly better), SouthernTrust Bank leads on 0 and A.S.H. Employees Credit Union on 7. 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.