Side-by-side · Q2 2026 data
U. T. Federal Credit Union vs Southeast Financial Credit Union
Credit union
Southeast Financial Credit Union
Franklin, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | U. T. Federal Credit Union | Southeast Financial Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 52 |
| Capital cushion | 47 (stronger) | 30 |
| Loan quality | 94 (stronger) | 72 |
| Earnings | 38 (stronger) | 31 |
| Funding & liquidity | 65 | 74 (stronger) |
| Problem-loan coverage | 96 (stronger) | 81 |
| Peer percentile | 34th | 8th |
| Total assets | $553.9M | $466.8M |
| Deposits / shares | $486.5M | $429.1M |
| Capital ratio | 9.68% (stronger) | 7.98% |
| Problem loans | 0.19% (stronger) | 0.85% |
| Net charge-offs | 0.28% (stronger) | 0.52% |
| Return on assets | 0.45% (stronger) | 0.29% |
| Loans ÷ deposits | 95.2% | 86.7% (stronger) |
| Uninsured deposits | 8.3% | 8.2% (stronger) |
| Offices | 9 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.1% | — |
U. T. Federal Credit Union has the higher TellerScore (65 vs 52). On the 7 directional measures above (where higher or lower is clearly better), U. T. Federal Credit Union leads on 5 and Southeast Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.