Side-by-side · Q2 2026 data
SouthPoint Bank vs Acipco Federal Credit Union
Metric by metric
| Measure | SouthPoint Bank | Acipco Federal Credit Union |
|---|---|---|
| TellerScore | 21 | 94 (stronger) |
| Capital cushion | 19 | 94 (stronger) |
| Loan quality | 0 | 93 (stronger) |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 77 | 87 (stronger) |
| Problem-loan coverage | 35 | 98 (stronger) |
| Peer percentile | 0th | 98th |
| Total assets | $1.4B | $221.5M |
| Deposits / shares | $1.2B | $191.3M |
| Capital ratio | 6.86% | 14.37% (stronger) |
| Problem loans | 3.54% | 0.21% (stronger) |
| Net charge-offs | 4.19% | 0.03% (stronger) |
| Return on assets | -1.71% | 2.15% (stronger) |
| Loans ÷ deposits | 83.0% | 73.2% (stronger) |
| Uninsured deposits | 13.3% | 3.8% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.2% |
Acipco Federal Credit Union has the higher TellerScore (94 vs 21). On the 7 directional measures above (where higher or lower is clearly better), SouthPoint Bank leads on 0 and Acipco Federal 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.