Side-by-side · Q2 2026 data
Lafayette State Bank vs Suwannee River Federal Credit Union
Credit union
Suwannee River Federal Credit Union
Live Oak, Florida · Under $100 million in assets
Metric by metric
| Measure | Lafayette State Bank | Suwannee River Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 83 (stronger) |
| Capital cushion | 49 | 71 (stronger) |
| Loan quality | 98 | 99 (stronger) |
| Earnings | 65 (stronger) | 62 |
| Funding & liquidity | 85 | 98 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 57th | 72nd |
| Total assets | $252.2M | $25.7M |
| Deposits / shares | $229.0M | $22.5M |
| Capital ratio | 9.86% | 12.11% (stronger) |
| Problem loans | 0.06% | 0.03% (stronger) |
| Net charge-offs | -0.17% (stronger) | 0.27% |
| Return on assets | 1.13% (stronger) | 1.06% |
| Loans ÷ deposits | 72.3% | 62.6% (stronger) |
| Uninsured deposits | 17.8% | 2.4% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.6% | — |
Suwannee River Federal Credit Union has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Lafayette State Bank leads on 2 and Suwannee River Federal Credit Union on 5. 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.
Where both have branches
- Live Oak, FL