Side-by-side · Q2 2026 data
Georgia Banking Company vs Southern Energy Credit Union
Metric by metric
| Measure | Georgia Banking Company | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 64 | 84 (stronger) |
| Capital cushion | 58 | 96 (stronger) |
| Loan quality | 78 | 92 (stronger) |
| Earnings | 62 (stronger) | 39 |
| Funding & liquidity | 39 | 94 (stronger) |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 33rd | 93rd |
| Total assets | $3.3B | $3.6B |
| Deposits / shares | $2.9B | $3.2B |
| Capital ratio | 10.78% | 14.59% (stronger) |
| Problem loans | 0.67% | 0.23% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.13% |
| Return on assets | 1.05% (stronger) | 0.46% |
| Loans ÷ deposits | 89.0% | 29.8% (stronger) |
| Uninsured deposits | 44.1% | 20.9% (stronger) |
| Offices | 10 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
Southern Energy Credit Union has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Georgia Banking Company leads on 2 and Southern Energy Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.