Side-by-side · Q2 2026 data
Georgia Power Valdosta Federal Credit Union vs Rome Kraft Employees Credit Union
Credit union
Georgia Power Valdosta Federal Credit Union
Valdosta, Georgia · Under $100 million in assets
Credit union
Rome Kraft Employees Credit Union
Coosa, Georgia · Under $100 million in assets
Metric by metric
| Measure | Georgia Power Valdosta Federal Credit Union | Rome Kraft Employees Credit Union |
|---|---|---|
| TellerScore | 84 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 77 | 84 (stronger) |
| Earnings | 55 | 95 (stronger) |
| Funding & liquidity | 94 (stronger) | 63 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 75th | 87th |
| Total assets | $22.9M | $23.0M |
| Deposits / shares | $19.3M | $17.3M |
| Capital ratio | 15.20% | 24.71% (stronger) |
| Problem loans | 0.69% | 0.49% (stronger) |
| Net charge-offs | 0.32% | 0.13% (stronger) |
| Return on assets | 0.86% | 1.88% (stronger) |
| Loans ÷ deposits | 66.5% (stronger) | 97.4% |
| Uninsured deposits | 6.0% (stronger) | 9.5% |
| Offices | 0 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Rome Kraft Employees Credit Union has the higher TellerScore (89 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Georgia Power Valdosta Federal Credit Union leads on 2 and Rome Kraft Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.