Side-by-side · Q2 2026 data
United Southern Bank vs Campus USA Credit Union
Metric by metric
| Measure | United Southern Bank | Campus USA Credit Union |
|---|---|---|
| TellerScore | 76 | 76 |
| Capital cushion | 58 | 73 (stronger) |
| Loan quality | 85 | 87 (stronger) |
| Earnings | 69 | 70 (stronger) |
| Funding & liquidity | 94 (stronger) | 61 |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 64th | 79th |
| Total assets | $843.0M | $4.0B |
| Deposits / shares | $769.1M | $3.4B |
| Capital ratio | 10.77% | 12.25% (stronger) |
| Problem loans | 0.44% | 0.38% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.38% |
| Return on assets | 1.23% | 1.26% (stronger) |
| Loans ÷ deposits | 59.9% (stronger) | 98.3% |
| Uninsured deposits | 20.3% | 15.4% (stronger) |
| Offices | 12 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.5% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), United Southern Bank leads on 2 and Campus USA Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.