Side-by-side · Q2 2026 data
Georgia Heritage Federal Credit Union vs Southern Energy Credit Union
Credit union
Georgia Heritage Federal Credit Union
Savannah, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Georgia Heritage Federal Credit Union | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 67 | 84 (stronger) |
| Capital cushion | 54 | 96 (stronger) |
| Loan quality | 89 | 92 (stronger) |
| Earnings | 32 | 39 (stronger) |
| Funding & liquidity | 83 | 94 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 41st | 93rd |
| Total assets | $162.7M | $3.6B |
| Deposits / shares | $143.5M | $3.2B |
| Capital ratio | 10.38% | 14.59% (stronger) |
| Problem loans | 0.34% | 0.23% (stronger) |
| Net charge-offs | 0.27% | 0.13% (stronger) |
| Return on assets | 0.30% | 0.46% (stronger) |
| Loans ÷ deposits | 77.0% | 29.8% (stronger) |
| Uninsured deposits | 4.5% (stronger) | 20.9% |
| Offices | 1 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | — |
Southern Energy Credit Union has the higher TellerScore (84 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Georgia Heritage Federal Credit Union leads on 1 and Southern Energy Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.