Side-by-side · Q2 2026 data
Georgia Banking Company vs Northside Federal Credit Union
Credit union
Northside Federal Credit Union
Atlanta, Georgia · Under $100 million in assets
Metric by metric
| Measure | Georgia Banking Company | Northside Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 88 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 78 | 82 (stronger) |
| Earnings | 62 | 71 (stronger) |
| Funding & liquidity | 39 | 90 (stronger) |
| Problem-loan coverage | 90 | 97 (stronger) |
| Peer percentile | 33rd | 85th |
| Total assets | $3.3B | $20.8M |
| Deposits / shares | $2.9B | $16.8M |
| Capital ratio | 10.78% | 18.92% (stronger) |
| Problem loans | 0.67% | 0.54% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.81% |
| Return on assets | 1.05% | 1.27% (stronger) |
| Loans ÷ deposits | 89.0% | 70.3% (stronger) |
| Uninsured deposits | 44.1% | 0.5% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
Northside Federal Credit Union has the higher TellerScore (88 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Georgia Banking Company leads on 1 and Northside Federal Credit Union on 6. 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.