TellerScore

Side-by-side · Q2 2026 data

Southland Federal Credit Union vs U. S. Employees Credit Union

Credit union

Southland Federal Credit Union

Lufkin, Texas · Under $100 million in assets

85of 100
Very strong

Credit union

U. S. Employees Credit Union

Tomball, Texas · Under $100 million in assets

74of 100
Strong

Metric by metric

MeasureSouthland Federal Credit UnionU. S. Employees Credit Union
TellerScore85 (stronger)74
Capital cushion94 (stronger)54
Loan quality7993 (stronger)
Earnings61 (stronger)49
Funding & liquidity100100
Problem-loan coverage9498 (stronger)
Peer percentile77th49th
Total assets$89.2M$86.4M
Deposits / shares$76.0M$77.0M
Capital ratio14.41% (stronger)10.38%
Problem loans0.62%0.20% (stronger)
Net charge-offs0.83%0.35% (stronger)
Return on assets1.03% (stronger)0.72%
Loans ÷ deposits55.0%48.6% (stronger)
Uninsured deposits0.0% (stronger)4.0%
Offices22
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.

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