Side-by-side · Q2 2026 data
Capital City Bank vs Campus USA Credit Union
Metric by metric
| Measure | Capital City Bank | Campus USA Credit Union |
|---|---|---|
| TellerScore | 72 | 76 (stronger) |
| Capital cushion | 53 | 73 (stronger) |
| Loan quality | 87 | 87 |
| Earnings | 81 (stronger) | 70 |
| Funding & liquidity | 58 | 61 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 66th | 79th |
| Total assets | $4.4B | $4.0B |
| Deposits / shares | $3.8B | $3.4B |
| Capital ratio | 10.29% | 12.25% (stronger) |
| Problem loans | 0.40% | 0.38% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.38% |
| Return on assets | 1.52% (stronger) | 1.26% |
| Loans ÷ deposits | 65.6% (stronger) | 98.3% |
| Uninsured deposits | 47.8% | 15.4% (stronger) |
| Offices | 59 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.0% | 10.5% |
Campus USA Credit Union has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Capital City Bank leads on 3 and Campus USA Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.