Side-by-side · Q2 2026 data
Commercial Banking Company vs Locoga Federal Credit Union
Credit union
Locoga Federal Credit Union
Valdosta, Georgia · Under $100 million in assets
Metric by metric
| Measure | Commercial Banking Company | Locoga Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 48 |
| Capital cushion | 53 (stronger) | 21 |
| Loan quality | 99 (stronger) | 55 |
| Earnings | 98 (stronger) | 30 |
| Funding & liquidity | 57 | 96 (stronger) |
| Problem-loan coverage | 99 (stronger) | 80 |
| Peer percentile | 75th | 7th |
| Total assets | $409.5M | $4.5M |
| Deposits / shares | $361.6M | $4.2M |
| Capital ratio | 10.32% (stronger) | 7.08% |
| Problem loans | 0.04% (stronger) | 1.35% |
| Net charge-offs | 0.00% | -0.13% (stronger) |
| Return on assets | 1.94% (stronger) | 0.24% |
| Loans ÷ deposits | 83.3% | 64.2% (stronger) |
| Uninsured deposits | 33.1% | 2.4% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.6% | — |
Commercial Banking Company has the higher TellerScore (79 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Commercial Banking Company leads on 4 and Locoga Federal Credit Union on 3. 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.