Side-by-side · Q2 2026 data
Southland Federal Credit Union vs U. S. Employees Credit Union
Metric by metric
| Measure | Southland Federal Credit Union | U. S. Employees Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 74 |
| Capital cushion | 94 (stronger) | 54 |
| Loan quality | 79 | 93 (stronger) |
| Earnings | 61 (stronger) | 49 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 77th | 49th |
| Total assets | $89.2M | $86.4M |
| Deposits / shares | $76.0M | $77.0M |
| Capital ratio | 14.41% (stronger) | 10.38% |
| Problem loans | 0.62% | 0.20% (stronger) |
| Net charge-offs | 0.83% | 0.35% (stronger) |
| Return on assets | 1.03% (stronger) | 0.72% |
| Loans ÷ deposits | 55.0% | 48.6% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 4.0% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southland Federal Credit Union has the higher TellerScore (85 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Southland Federal Credit Union leads on 4 and U. S. Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.