Side-by-side · Q2 2026 data
Community Bank of Georgia vs Southern Pine Credit Union
Metric by metric
| Measure | Community Bank of Georgia | Southern Pine Credit Union |
|---|---|---|
| TellerScore | 74 | 82 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 65 | 74 (stronger) |
| Earnings | 94 (stronger) | 58 |
| Funding & liquidity | 83 | 83 |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 57th | 70th |
| Total assets | $269.5M | $27.6M |
| Deposits / shares | $239.6M | $20.9M |
| Capital ratio | 10.99% | 23.71% (stronger) |
| Problem loans | 1.05% | 0.79% (stronger) |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 1.85% (stronger) | 0.95% |
| Loans ÷ deposits | 77.1% | 77.0% (stronger) |
| Uninsured deposits | 14.8% | 0.1% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Pine Credit Union has the higher TellerScore (82 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Community Bank of Georgia leads on 1 and Southern Pine Credit Union on 6. 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.