Side-by-side · Q2 2026 data
Capital City Bank vs Florida Credit Union
Metric by metric
| Measure | Capital City Bank | Florida Credit Union |
|---|---|---|
| TellerScore | 72 | 75 (stronger) |
| Capital cushion | 53 | 77 (stronger) |
| Loan quality | 87 (stronger) | 73 |
| Earnings | 81 (stronger) | 77 |
| Funding & liquidity | 58 | 64 (stronger) |
| Problem-loan coverage | 95 (stronger) | 88 |
| Peer percentile | 66th | 75th |
| Total assets | $4.4B | $2.8B |
| Deposits / shares | $3.8B | $2.4B |
| Capital ratio | 10.29% | 12.70% (stronger) |
| Problem loans | 0.40% (stronger) | 0.80% |
| Net charge-offs | 0.12% (stronger) | 0.97% |
| Return on assets | 1.52% (stronger) | 1.42% |
| Loans ÷ deposits | 65.6% (stronger) | 96.3% |
| Uninsured deposits | 47.8% | 12.1% (stronger) |
| Offices | 59 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.0% | 70.0% |
Florida Credit Union has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Capital City 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
- Gainesville, FL
- Starke, FL