Side-by-side · Q2 2026 data
Community Bank of Georgia vs Valdosta Teachers Federal Credit Union
Credit union
Valdosta Teachers Federal Credit Union
Valdosta, Georgia · Under $100 million in assets
Metric by metric
| Measure | Community Bank of Georgia | Valdosta Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 61 |
| Capital cushion | 60 | 84 (stronger) |
| Loan quality | 65 (stronger) | 24 |
| Earnings | 94 (stronger) | 32 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 87 (stronger) | 85 |
| Peer percentile | 57th | 23rd |
| Total assets | $269.5M | $13.2M |
| Deposits / shares | $239.6M | $11.3M |
| Capital ratio | 10.99% | 13.41% (stronger) |
| Problem loans | 1.05% (stronger) | 2.29% |
| Net charge-offs | 0.10% (stronger) | 0.51% |
| Return on assets | 1.85% (stronger) | 0.31% |
| Loans ÷ deposits | 77.1% | 50.4% (stronger) |
| Uninsured deposits | 14.8% | 1.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community Bank of Georgia has the higher TellerScore (74 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Community Bank of Georgia 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.