Side-by-side · Q2 2026 data
Community Bank of Pickens County vs Northside Federal Credit Union
Credit union
Northside Federal Credit Union
Atlanta, Georgia · Under $100 million in assets
Metric by metric
| Measure | Community Bank of Pickens County | Northside Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 88 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 35 | 82 (stronger) |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 69 | 90 (stronger) |
| Problem-loan coverage | 78 | 97 (stronger) |
| Peer percentile | 53rd | 85th |
| Total assets | $628.6M | $20.8M |
| Deposits / shares | $537.8M | $16.8M |
| Capital ratio | 13.55% | 18.92% (stronger) |
| Problem loans | 1.96% | 0.54% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.81% |
| Return on assets | 2.35% (stronger) | 1.27% |
| Loans ÷ deposits | 90.0% | 70.3% (stronger) |
| Uninsured deposits | 16.2% | 0.5% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Northside Federal Credit Union has the higher TellerScore (88 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Community Bank of Pickens County leads on 2 and Northside Federal Credit Union on 5. 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.