Side-by-side · Q2 2026 data
First Century Bank, National Association vs Georgia Heritage Federal Credit Union
Bank
First Century Bank, National Association
Commerce, Georgia · $100 million – $1 billion
Credit union
Georgia Heritage Federal Credit Union
Savannah, Georgia · $100 million – $1 billion
Metric by metric
| Measure | First Century Bank, National Association | Georgia Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 100 (stronger) | 89 |
| Earnings | 86 (stronger) | 32 |
| Funding & liquidity | 50 | 83 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 95th | 41st |
| Total assets | $831.6M | $162.7M |
| Deposits / shares | $693.2M | $143.5M |
| Capital ratio | 16.84% (stronger) | 10.38% |
| Problem loans | 0.00% (stronger) | 0.34% |
| Net charge-offs | 0.00% (stronger) | 0.27% |
| Return on assets | 1.64% (stronger) | 0.30% |
| Loans ÷ deposits | 20.3% (stronger) | 77.0% |
| Uninsured deposits | 67.6% | 4.5% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.4% |
First Century Bank, National Association has the higher TellerScore (90 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Century Bank, National Association leads on 6 and Georgia Heritage Federal Credit Union on 1. 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.