Side-by-side · Q2 2026 data
Water'S Edge Federal Credit Union vs Sunbelt Federal Credit Union
Credit union
Water'S Edge Federal Credit Union
Biloxi, Mississippi · Under $100 million in assets
Credit union
Sunbelt Federal Credit Union
Hattiesburg, Mississippi · $100 million – $1 billion
Metric by metric
| Measure | Water'S Edge Federal Credit Union | Sunbelt Federal Credit Union |
|---|---|---|
| TellerScore | 49 | 85 (stronger) |
| Capital cushion | 22 | 100 (stronger) |
| Loan quality | 63 | 87 (stronger) |
| Earnings | 18 | 56 (stronger) |
| Funding & liquidity | 100 (stronger) | 82 |
| Problem-loan coverage | 85 | 97 (stronger) |
| Peer percentile | 8th | 87th |
| Total assets | $5.0M | $366.4M |
| Deposits / shares | $4.4M | $305.2M |
| Capital ratio | 7.16% | 16.22% (stronger) |
| Problem loans | 1.12% | 0.39% (stronger) |
| Net charge-offs | -1.22% (stronger) | 1.06% |
| Return on assets | -0.05% | 0.90% (stronger) |
| Loans ÷ deposits | 58.2% (stronger) | 77.9% |
| Uninsured deposits | 0.0% (stronger) | 7.8% |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.9% |
Sunbelt Federal Credit Union has the higher TellerScore (85 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Water'S Edge Federal Credit Union leads on 3 and Sunbelt Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.