Side-by-side · Q2 2026 data
Georgia Heritage Federal Credit Union vs Go Energy Financial Credit Union
Credit union
Georgia Heritage Federal Credit Union
Savannah, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Georgia Heritage Federal Credit Union | Go Energy Financial Credit Union |
|---|---|---|
| TellerScore | 67 | 72 (stronger) |
| Capital cushion | 54 | 68 (stronger) |
| Loan quality | 89 (stronger) | 85 |
| Earnings | 32 | 48 (stronger) |
| Funding & liquidity | 83 (stronger) | 76 |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 41st | 57th |
| Total assets | $162.7M | $152.6M |
| Deposits / shares | $143.5M | $134.1M |
| Capital ratio | 10.38% | 11.81% (stronger) |
| Problem loans | 0.34% (stronger) | 0.46% |
| Net charge-offs | 0.27% | 0.08% (stronger) |
| Return on assets | 0.30% | 0.70% (stronger) |
| Loans ÷ deposits | 77.0% (stronger) | 84.5% |
| Uninsured deposits | 4.5% (stronger) | 10.4% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | — |
Go Energy Financial Credit Union has the higher TellerScore (72 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Georgia Heritage Federal Credit Union leads on 3 and Go Energy Financial Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.