Side-by-side · Q2 2026 data
Georgia Power Valdosta Federal Credit Union vs Southern Pine Credit Union
Credit union
Georgia Power Valdosta Federal Credit Union
Valdosta, Georgia · Under $100 million in assets
Metric by metric
| Measure | Georgia Power Valdosta Federal Credit Union | Southern Pine Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 82 |
| Capital cushion | 100 | 100 |
| Loan quality | 77 (stronger) | 74 |
| Earnings | 55 | 58 (stronger) |
| Funding & liquidity | 94 (stronger) | 83 |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 75th | 70th |
| Total assets | $22.9M | $27.6M |
| Deposits / shares | $19.3M | $20.9M |
| Capital ratio | 15.20% | 23.71% (stronger) |
| Problem loans | 0.69% (stronger) | 0.79% |
| Net charge-offs | 0.32% | 0.00% (stronger) |
| Return on assets | 0.86% | 0.95% (stronger) |
| Loans ÷ deposits | 66.5% (stronger) | 77.0% |
| Uninsured deposits | 6.0% | 0.1% (stronger) |
| Offices | 0 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Georgia Power Valdosta Federal Credit Union has the higher TellerScore (84 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Georgia Power Valdosta Federal Credit Union leads on 3 and Southern Pine Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.