Side-by-side · Q2 2026 data
Altamaha Federal Credit Union vs Ware County School Employees Federal Credit Union
Credit union
Ware County School Employees Federal Credit Union
Waycross, Georgia · Under $100 million in assets
Metric by metric
| Measure | Altamaha Federal Credit Union | Ware County School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 86 (stronger) |
| Capital cushion | 91 | 91 |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 37 | 62 (stronger) |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 72nd | 80th |
| Total assets | $74.1M | $6.3M |
| Deposits / shares | $62.4M | $5.4M |
| Capital ratio | 14.05% | 14.08% (stronger) |
| Problem loans | 0.22% | 0.00% (stronger) |
| Net charge-offs | 1.03% | 0.13% (stronger) |
| Return on assets | 0.43% | 1.05% (stronger) |
| Loans ÷ deposits | 57.8% (stronger) | 85.7% |
| Uninsured deposits | 2.1% (stronger) | 12.6% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ware County School Employees Federal Credit Union has the higher TellerScore (86 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Altamaha Federal Credit Union leads on 2 and Ware County School Employees Federal Credit Union on 5. 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.