Side-by-side · Q2 2026 data
SouthPoint Bank vs Aod Federal Credit Union
Metric by metric
| Measure | SouthPoint Bank | Aod Federal Credit Union |
|---|---|---|
| TellerScore | 21 | 89 (stronger) |
| Capital cushion | 19 | 100 (stronger) |
| Loan quality | 0 | 82 (stronger) |
| Earnings | 0 | 72 (stronger) |
| Funding & liquidity | 77 | 96 (stronger) |
| Problem-loan coverage | 35 | 97 (stronger) |
| Peer percentile | 0th | 94th |
| Total assets | $1.4B | $466.7M |
| Deposits / shares | $1.2B | $395.2M |
| Capital ratio | 6.86% | 16.36% (stronger) |
| Problem loans | 3.54% | 0.53% (stronger) |
| Net charge-offs | 4.19% | 0.58% (stronger) |
| Return on assets | -1.71% | 1.30% (stronger) |
| Loans ÷ deposits | 83.0% | 63.9% (stronger) |
| Uninsured deposits | 13.3% | 4.6% (stronger) |
| Offices | 11 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.6% |
Aod Federal Credit Union has the higher TellerScore (89 vs 21). On the 7 directional measures above (where higher or lower is clearly better), SouthPoint Bank leads on 0 and Aod Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.