Side-by-side · Q2 2026 data
Citizens Bank of Americus vs Flint River Employees Federal Credit Union
Credit union
Flint River Employees Federal Credit Union
Oglethorpe, Georgia · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank of Americus | Flint River Employees Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 82 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 97 (stronger) | 93 |
| Earnings | 83 (stronger) | 53 |
| Funding & liquidity | 72 (stronger) | 54 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 68th | 70th |
| Total assets | $511.1M | $1.7M |
| Deposits / shares | $453.9M | $1.1M |
| Capital ratio | 10.25% | 38.06% (stronger) |
| Problem loans | 0.09% (stronger) | 0.22% |
| Net charge-offs | -0.02% | -0.31% (stronger) |
| Return on assets | 1.58% (stronger) | 0.83% |
| Loans ÷ deposits | 58.8% (stronger) | 106.5% |
| Uninsured deposits | 40.4% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Flint River Employees Federal Credit Union has the higher TellerScore (82 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Americus leads on 3 and Flint River Employees 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.