Side-by-side · Q2 2026 data
Southside Bank vs Cherokee County Federal Credit Union
Metric by metric
| Measure | Southside Bank | Cherokee County Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 78 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 94 (stronger) | 63 |
| Earnings | 74 (stronger) | 59 |
| Funding & liquidity | 50 | 76 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 77th | 59th |
| Total assets | $8.8B | $44.8M |
| Deposits / shares | $6.2B | $32.6M |
| Capital ratio | 11.43% | 27.28% (stronger) |
| Problem loans | 0.19% (stronger) | 1.11% |
| Net charge-offs | 0.02% (stronger) | 1.08% |
| Return on assets | 1.35% (stronger) | 0.98% |
| Loans ÷ deposits | 79.4% (stronger) | 84.7% |
| Uninsured deposits | 42.8% | 1.4% (stronger) |
| Offices | 55 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 42.2% | — |
Cherokee County Federal Credit Union has the higher TellerScore (78 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Southside Bank leads on 4 and Cherokee County Federal Credit Union on 3. 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.