Side-by-side · Q2 2026 data
Commercial Banking Company vs Valdosta Teachers Federal Credit Union
Credit union
Valdosta Teachers Federal Credit Union
Valdosta, Georgia · Under $100 million in assets
Metric by metric
| Measure | Commercial Banking Company | Valdosta Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 61 |
| Capital cushion | 53 | 84 (stronger) |
| Loan quality | 99 (stronger) | 24 |
| Earnings | 98 (stronger) | 32 |
| Funding & liquidity | 57 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 85 |
| Peer percentile | 75th | 23rd |
| Total assets | $409.5M | $13.2M |
| Deposits / shares | $361.6M | $11.3M |
| Capital ratio | 10.32% | 13.41% (stronger) |
| Problem loans | 0.04% (stronger) | 2.29% |
| Net charge-offs | 0.00% (stronger) | 0.51% |
| Return on assets | 1.94% (stronger) | 0.31% |
| Loans ÷ deposits | 83.3% | 50.4% (stronger) |
| Uninsured deposits | 33.1% | 1.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.6% | — |
Commercial Banking Company has the higher TellerScore (79 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Commercial Banking Company leads on 4 and Valdosta Teachers 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.