Side-by-side · Q2 2026 data
United Southern Bank vs Florida Credit Union
Metric by metric
| Measure | United Southern Bank | Florida Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 75 |
| Capital cushion | 58 | 77 (stronger) |
| Loan quality | 85 (stronger) | 73 |
| Earnings | 69 | 77 (stronger) |
| Funding & liquidity | 94 (stronger) | 64 |
| Problem-loan coverage | 94 (stronger) | 88 |
| Peer percentile | 64th | 75th |
| Total assets | $843.0M | $2.8B |
| Deposits / shares | $769.1M | $2.4B |
| Capital ratio | 10.77% | 12.70% (stronger) |
| Problem loans | 0.44% (stronger) | 0.80% |
| Net charge-offs | 0.02% (stronger) | 0.97% |
| Return on assets | 1.23% | 1.42% (stronger) |
| Loans ÷ deposits | 59.9% (stronger) | 96.3% |
| Uninsured deposits | 20.3% | 12.1% (stronger) |
| Offices | 12 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 70.0% |
United Southern Bank has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), United Southern Bank leads on 4 and Florida Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Wildwood, FL