Side-by-side · Q2 2026 data
First National Bank of Griffin vs Southern Energy Credit Union
Metric by metric
| Measure | First National Bank of Griffin | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 84 | 84 |
| Capital cushion | 64 | 96 (stronger) |
| Loan quality | 99 (stronger) | 92 |
| Earnings | 78 (stronger) | 39 |
| Funding & liquidity | 99 (stronger) | 94 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 86th | 93rd |
| Total assets | $368.3M | $3.6B |
| Deposits / shares | $321.3M | $3.2B |
| Capital ratio | 11.41% | 14.59% (stronger) |
| Problem loans | 0.04% (stronger) | 0.23% |
| Net charge-offs | -0.00% (stronger) | 0.13% |
| Return on assets | 1.45% (stronger) | 0.46% |
| Loans ÷ deposits | 56.6% | 29.8% (stronger) |
| Uninsured deposits | 15.7% (stronger) | 20.9% |
| Offices | 6 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First National Bank of Griffin leads on 4 and Southern Energy Credit Union on 2. 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.