Side-by-side · Q2 2026 data
First Federal Savings and Loan Association of Valdosta vs Southern Pine Credit Union
Bank
First Federal Savings and Loan Association of Valdosta
Valdosta, Georgia · $100 million – $1 billion
Metric by metric
| Measure | First Federal Savings and Loan Association of Valdosta | Southern Pine Credit Union |
|---|---|---|
| TellerScore | 57 | 82 (stronger) |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 40 | 74 (stronger) |
| Earnings | 53 | 58 (stronger) |
| Funding & liquidity | 47 | 83 (stronger) |
| Problem-loan coverage | 75 | 96 (stronger) |
| Peer percentile | 14th | 70th |
| Total assets | $278.5M | $27.6M |
| Deposits / shares | $208.5M | $20.9M |
| Capital ratio | 12.26% | 23.71% (stronger) |
| Problem loans | 1.79% | 0.79% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.83% | 0.95% (stronger) |
| Loans ÷ deposits | 116.7% | 77.0% (stronger) |
| Uninsured deposits | 17.9% | 0.1% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Southern Pine Credit Union has the higher TellerScore (82 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association of Valdosta leads on 0 and Southern Pine Credit Union on 7. 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.