Side-by-side · Q2 2026 data
The Southern Bank Company vs Aod Federal Credit Union
Metric by metric
| Measure | The Southern Bank Company | Aod Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 37 | 82 (stronger) |
| Earnings | 73 (stronger) | 72 |
| Funding & liquidity | 88 | 96 (stronger) |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 64th | 94th |
| Total assets | $133.1M | $466.7M |
| Deposits / shares | $104.8M | $395.2M |
| Capital ratio | 15.05% | 16.36% (stronger) |
| Problem loans | 1.89% | 0.53% (stronger) |
| Net charge-offs | -0.70% (stronger) | 0.58% |
| Return on assets | 1.32% (stronger) | 1.30% |
| Loans ÷ deposits | 63.4% (stronger) | 63.9% |
| Uninsured deposits | 22.7% | 4.6% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.6% |
Aod Federal Credit Union has the higher TellerScore (89 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Southern Bank Company leads on 3 and Aod Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.