Side-by-side · Q2 2026 data
CCB Community Bank vs Walton County Teachers Federal Credit Union
Credit union
Walton County Teachers Federal Credit Union
Defuniak Spring, Florida · Under $100 million in assets
Metric by metric
| Measure | CCB Community Bank | Walton County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 81 (stronger) |
| Capital cushion | 55 | 59 (stronger) |
| Loan quality | 94 (stronger) | 85 |
| Earnings | 100 (stronger) | 87 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 75th | 68th |
| Total assets | $661.9M | $30.1M |
| Deposits / shares | $592.5M | $26.6M |
| Capital ratio | 10.53% | 10.89% (stronger) |
| Problem loans | 0.19% (stronger) | 0.45% |
| Net charge-offs | 0.01% (stronger) | 0.30% |
| Return on assets | 2.34% (stronger) | 1.66% |
| Loans ÷ deposits | 85.1% | 52.1% (stronger) |
| Uninsured deposits | 25.2% | 1.2% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | — |
Walton County Teachers Federal Credit Union has the higher TellerScore (81 vs 79). On the 7 directional measures above (where higher or lower is clearly better), CCB Community Bank leads on 3 and Walton County Teachers Federal Credit Union on 4. 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.