Side-by-side · Q2 2026 data
Garland County Educators Federal Credit Union vs Southern Gas Federal Credit Union
Credit union
Garland County Educators Federal Credit Union
Hot Springs, Arkansas · Under $100 million in assets
Credit union
Southern Gas Federal Credit Union
Little Rock, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Garland County Educators Federal Credit Union | Southern Gas Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 82 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 15 | 100 (stronger) |
| Earnings | 65 (stronger) | 33 |
| Funding & liquidity | 92 (stronger) | 66 |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 38th | 70th |
| Total assets | $5.2M | $5.7M |
| Deposits / shares | $4.3M | $4.2M |
| Capital ratio | 18.04% | 26.10% (stronger) |
| Problem loans | 2.56% | 0.00% (stronger) |
| Net charge-offs | 3.86% | -1.00% (stronger) |
| Return on assets | 1.13% (stronger) | 0.33% |
| Loans ÷ deposits | 68.0% (stronger) | 93.9% |
| Uninsured deposits | 1.9% (stronger) | 6.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Gas Federal Credit Union has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Garland County Educators Federal Credit Union leads on 3 and Southern Gas Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.