Side-by-side · Q2 2026 data
SSB Bank vs Fort Smith Teachers Federal Credit Union
Credit union
Fort Smith Teachers Federal Credit Union
Fort Smith, Arkansas · Under $100 million in assets
Metric by metric
| Measure | SSB Bank | Fort Smith Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 97 (stronger) | 90 |
| Earnings | 21 | 60 (stronger) |
| Funding & liquidity | 75 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 77th | 87th |
| Total assets | $129.9M | $13.1M |
| Deposits / shares | $104.7M | $10.0M |
| Capital ratio | 17.01% | 23.56% (stronger) |
| Problem loans | 0.09% (stronger) | 0.31% |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 0.03% | 0.99% (stronger) |
| Loans ÷ deposits | 82.2% | 41.5% (stronger) |
| Uninsured deposits | 17.7% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fort Smith Teachers Federal Credit Union has the higher TellerScore (89 vs 80). On the 7 directional measures above (where higher or lower is clearly better), SSB Bank leads on 1 and Fort Smith Teachers Federal Credit Union on 6. 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.