Side-by-side · Q2 2026 data
Georgia Heritage Federal Credit Union vs Excel 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 | Excel Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 79 (stronger) |
| Capital cushion | 54 | 86 (stronger) |
| Loan quality | 89 (stronger) | 83 |
| Earnings | 32 | 67 (stronger) |
| Funding & liquidity | 83 (stronger) | 61 |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 41st | 76th |
| Total assets | $162.7M | $174.0M |
| Deposits / shares | $143.5M | $113.8M |
| Capital ratio | 10.38% | 13.60% (stronger) |
| Problem loans | 0.34% (stronger) | 0.50% |
| Net charge-offs | 0.27% | 0.14% (stronger) |
| Return on assets | 0.30% | 1.16% (stronger) |
| Loans ÷ deposits | 77.0% (stronger) | 99.2% |
| Uninsured deposits | 4.5% | 4.2% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | — |
Excel Federal Credit Union has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Georgia Heritage Federal Credit Union leads on 2 and Excel Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.