Side-by-side · Q2 2026 data
U. T. Federal Credit Union vs First South Financial Federal Credit Union
Credit union
First South Financial Federal Credit Union
Bartlett, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | U. T. Federal Credit Union | First South Financial Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 95 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 94 (stronger) | 93 |
| Earnings | 38 | 99 (stronger) |
| Funding & liquidity | 65 | 77 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 34th | 98th |
| Total assets | $553.9M | $844.8M |
| Deposits / shares | $486.5M | $576.4M |
| Capital ratio | 9.68% | 30.23% (stronger) |
| Problem loans | 0.19% (stronger) | 0.22% |
| Net charge-offs | 0.28% (stronger) | 0.91% |
| Return on assets | 0.45% | 1.97% (stronger) |
| Loans ÷ deposits | 95.2% | 83.0% (stronger) |
| Uninsured deposits | 8.3% (stronger) | 12.3% |
| Offices | 9 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.1% | — |
First South Financial Federal Credit Union has the higher TellerScore (95 vs 65). On the 7 directional measures above (where higher or lower is clearly better), U. T. Federal Credit Union leads on 3 and First South Financial Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.