Side-by-side · Q2 2026 data
Southland Credit Union vs American First Credit Union
Metric by metric
| Measure | Southland Credit Union | American First Credit Union |
|---|---|---|
| TellerScore | 49 | 68 (stronger) |
| Capital cushion | 36 | 51 (stronger) |
| Loan quality | 51 | 95 (stronger) |
| Earnings | 33 | 52 (stronger) |
| Funding & liquidity | 78 (stronger) | 62 |
| Problem-loan coverage | 76 | 97 (stronger) |
| Peer percentile | 5th | 50th |
| Total assets | $1.3B | $1.4B |
| Deposits / shares | $1.1B | $1.2B |
| Capital ratio | 8.56% | 10.09% (stronger) |
| Problem loans | 1.48% | 0.16% (stronger) |
| Net charge-offs | 0.65% | 0.28% (stronger) |
| Return on assets | 0.32% | 0.80% (stronger) |
| Loans ÷ deposits | 82.7% (stronger) | 98.6% |
| Uninsured deposits | 8.0% | 2.5% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 38.8% | 28.1% |
American First Credit Union has the higher TellerScore (68 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Southland Credit Union leads on 1 and American First Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.