Side-by-side · Q2 2026 data
Capital City Bank vs Radiant Credit Union
Metric by metric
| Measure | Capital City Bank | Radiant Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 65 |
| Capital cushion | 53 (stronger) | 45 |
| Loan quality | 87 (stronger) | 84 |
| Earnings | 81 (stronger) | 43 |
| Funding & liquidity | 58 | 85 (stronger) |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 66th | 41st |
| Total assets | $4.4B | $1.1B |
| Deposits / shares | $3.8B | $969.4M |
| Capital ratio | 10.29% (stronger) | 9.50% |
| Problem loans | 0.40% (stronger) | 0.47% |
| Net charge-offs | 0.12% (stronger) | 0.63% |
| Return on assets | 1.52% (stronger) | 0.59% |
| Loans ÷ deposits | 65.6% (stronger) | 75.3% |
| Uninsured deposits | 47.8% | 7.5% (stronger) |
| Offices | 59 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.0% | 41.0% |
Capital City Bank has the higher TellerScore (72 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Capital City Bank leads on 6 and Radiant Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Gainesville, FL
- Newberry, FL
- Alachua, FL
- Chiefland, FL
- Palatka, FL