Side-by-side · Q2 2026 data
Unity Bank of Mississippi 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 | Unity Bank of Mississippi | First South Financial Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 95 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 73 | 93 (stronger) |
| Earnings | 37 | 99 (stronger) |
| Funding & liquidity | 76 | 77 (stronger) |
| Problem-loan coverage | 58 | 99 (stronger) |
| Peer percentile | 20th | 98th |
| Total assets | $281.8M | $844.8M |
| Deposits / shares | $248.2M | $576.4M |
| Capital ratio | 11.04% | 30.23% (stronger) |
| Problem loans | 0.80% | 0.22% (stronger) |
| Net charge-offs | 0.62% (stronger) | 0.91% |
| Return on assets | 0.43% | 1.97% (stronger) |
| Loans ÷ deposits | 59.8% (stronger) | 83.0% |
| Uninsured deposits | 36.6% | 12.3% (stronger) |
| Offices | 6 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First South Financial Federal Credit Union has the higher TellerScore (95 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Unity Bank of Mississippi leads on 2 and First South Financial Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.