Side-by-side · Q2 2026 data
Tensas State Bank vs One South Federal Credit Union
Credit union
One South Federal Credit Union
Natchez, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Tensas State Bank | One South Federal Credit Union |
|---|---|---|
| TellerScore | 59 (stronger) | 58 |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 0 | 0 |
| Earnings | 74 (stronger) | 21 |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 61 | 86 (stronger) |
| Peer percentile | 17th | 19th |
| Total assets | $185.5M | $16.7M |
| Deposits / shares | $158.5M | $13.9M |
| Capital ratio | 13.87% | 21.16% (stronger) |
| Problem loans | 3.43% | 3.42% (stronger) |
| Net charge-offs | 0.39% (stronger) | 1.44% |
| Return on assets | 1.34% (stronger) | 0.03% |
| Loans ÷ deposits | 75.2% | 53.8% (stronger) |
| Uninsured deposits | 25.0% | 0.4% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tensas State Bank has the higher TellerScore (59 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Tensas State Bank leads on 3 and One South Federal Credit Union on 4. 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.