Side-by-side · Q2 2026 data
Texan Sky Federal Credit Union vs Southern Federal Credit Union
Metric by metric
| Measure | Texan Sky Federal Credit Union | Southern Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 70 |
| Capital cushion | 100 | 100 |
| Loan quality | 89 (stronger) | 30 |
| Earnings | 28 | 48 (stronger) |
| Funding & liquidity | 93 (stronger) | 90 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 70th | 40th |
| Total assets | $74.7M | $76.4M |
| Deposits / shares | $60.4M | $42.3M |
| Capital ratio | 15.65% | 44.47% (stronger) |
| Problem loans | 0.34% (stronger) | 2.09% |
| Net charge-offs | 0.25% (stronger) | 3.46% |
| Return on assets | 0.21% | 0.70% (stronger) |
| Loans ÷ deposits | 67.3% (stronger) | 70.7% |
| Uninsured deposits | 2.7% (stronger) | 6.7% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Texan Sky Federal Credit Union has the higher TellerScore (82 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Texan Sky Federal Credit Union leads on 5 and Southern Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.