Side-by-side · Q2 2026 data
Georgia Heritage Federal Credit Union vs Aflac Federal Credit Union
Credit union
Georgia Heritage Federal Credit Union
Savannah, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Georgia Heritage Federal Credit Union | Aflac Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 86 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 89 (stronger) | 45 |
| Earnings | 32 | 100 (stronger) |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 41st | 89th |
| Total assets | $162.7M | $133.8M |
| Deposits / shares | $143.5M | $81.7M |
| Capital ratio | 10.38% | 38.85% (stronger) |
| Problem loans | 0.34% (stronger) | 1.66% |
| Net charge-offs | 0.27% | 0.05% (stronger) |
| Return on assets | 0.30% | 2.65% (stronger) |
| Loans ÷ deposits | 77.0% | 15.9% (stronger) |
| Uninsured deposits | 4.5% (stronger) | 7.3% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | — |
Aflac Federal Credit Union has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Georgia Heritage Federal Credit Union leads on 2 and Aflac Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.