Side-by-side · Q2 2026 data
Georgia Heritage Federal Credit Union vs Family First Credit Union
Credit union
Georgia Heritage Federal Credit Union
Savannah, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Georgia Heritage Federal Credit Union | Family First Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 64 |
| Capital cushion | 54 | 85 (stronger) |
| Loan quality | 89 (stronger) | 35 |
| Earnings | 32 | 46 (stronger) |
| Funding & liquidity | 83 | 84 (stronger) |
| Problem-loan coverage | 95 (stronger) | 81 |
| Peer percentile | 41st | 31st |
| Total assets | $162.7M | $136.3M |
| Deposits / shares | $143.5M | $117.8M |
| Capital ratio | 10.38% | 13.48% (stronger) |
| Problem loans | 0.34% (stronger) | 1.94% |
| Net charge-offs | 0.27% (stronger) | 0.32% |
| Return on assets | 0.30% | 0.66% (stronger) |
| Loans ÷ deposits | 77.0% | 76.1% (stronger) |
| Uninsured deposits | 4.5% (stronger) | 5.7% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | — |
Georgia Heritage Federal Credit Union has the higher TellerScore (67 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Georgia Heritage Federal Credit Union leads on 4 and Family First Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.