Side-by-side · Q2 2026 data
The West Tennessee Credit Union vs Southern Credit Union
Metric by metric
| Measure | The West Tennessee Credit Union | Southern Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 43 |
| Capital cushion | 65 | 68 (stronger) |
| Loan quality | 79 (stronger) | 0 |
| Earnings | 66 (stronger) | 0 |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 93 (stronger) | 76 |
| Peer percentile | 52nd | 4th |
| Total assets | $17.9M | $18.1M |
| Deposits / shares | $15.7M | $15.9M |
| Capital ratio | 11.52% | 11.81% (stronger) |
| Problem loans | 0.63% (stronger) | 3.48% |
| Net charge-offs | -0.95% (stronger) | 0.39% |
| Return on assets | 1.14% (stronger) | -0.69% |
| Loans ÷ deposits | 70.8% | 46.0% (stronger) |
| Uninsured deposits | 18.1% | 6.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The West Tennessee Credit Union has the higher TellerScore (75 vs 43). On the 7 directional measures above (where higher or lower is clearly better), The West Tennessee Credit Union leads on 4 and Southern Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.