Side-by-side · Q2 2026 data
The North Salem State Bank vs Fedex Employees Credit Association Federal Credit Union
Credit union
Fedex Employees Credit Association Federal Credit Union
Memphis, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | The North Salem State Bank | Fedex Employees Credit Association Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 77 (stronger) |
| Capital cushion | 40 | 92 (stronger) |
| Loan quality | 78 (stronger) | 65 |
| Earnings | 86 (stronger) | 43 |
| Funding & liquidity | 40 | 100 (stronger) |
| Problem-loan coverage | 89 | 93 (stronger) |
| Peer percentile | 26th | 71st |
| Total assets | $769.6M | $641.1M |
| Deposits / shares | $687.9M | $544.4M |
| Capital ratio | 8.98% | 14.15% (stronger) |
| Problem loans | 0.67% (stronger) | 1.04% |
| Net charge-offs | 0.00% (stronger) | 1.17% |
| Return on assets | 1.65% (stronger) | 0.57% |
| Loans ÷ deposits | 89.7% | 54.8% (stronger) |
| Uninsured deposits | 43.0% | 7.0% (stronger) |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | — |
Fedex Employees Credit Association Federal Credit Union has the higher TellerScore (77 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The North Salem State Bank leads on 3 and Fedex Employees Credit Association Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.