Side-by-side · Q2 2026 data
Carver State Bank vs Georgia Heritage Federal Credit Union
Credit union
Georgia Heritage Federal Credit Union
Savannah, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Carver State Bank | Georgia Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 88 | 89 (stronger) |
| Earnings | 60 (stronger) | 32 |
| Funding & liquidity | 100 (stronger) | 83 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 94th | 41st |
| Total assets | $111.2M | $162.7M |
| Deposits / shares | $93.1M | $143.5M |
| Capital ratio | 14.99% (stronger) | 10.38% |
| Problem loans | 0.37% | 0.34% (stronger) |
| Net charge-offs | 1.21% | 0.27% (stronger) |
| Return on assets | 1.00% (stronger) | 0.30% |
| Loans ÷ deposits | 50.0% (stronger) | 77.0% |
| Uninsured deposits | 15.6% | 4.5% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.4% |
Carver State Bank has the higher TellerScore (89 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Carver State Bank leads on 4 and Georgia Heritage Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.