Side-by-side · Q2 2026 data
Locoga Federal Credit Union vs Southern Pine Credit Union
Credit union
Locoga Federal Credit Union
Valdosta, Georgia · Under $100 million in assets
Metric by metric
| Measure | Locoga Federal Credit Union | Southern Pine Credit Union |
|---|---|---|
| TellerScore | 48 | 82 (stronger) |
| Capital cushion | 21 | 100 (stronger) |
| Loan quality | 55 | 74 (stronger) |
| Earnings | 30 | 58 (stronger) |
| Funding & liquidity | 96 (stronger) | 83 |
| Problem-loan coverage | 80 | 96 (stronger) |
| Peer percentile | 7th | 70th |
| Total assets | $4.5M | $27.6M |
| Deposits / shares | $4.2M | $20.9M |
| Capital ratio | 7.08% | 23.71% (stronger) |
| Problem loans | 1.35% | 0.79% (stronger) |
| Net charge-offs | -0.13% (stronger) | 0.00% |
| Return on assets | 0.24% | 0.95% (stronger) |
| Loans ÷ deposits | 64.2% (stronger) | 77.0% |
| Uninsured deposits | 2.4% | 0.1% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Pine Credit Union has the higher TellerScore (82 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Locoga Federal Credit Union leads on 2 and Southern Pine 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.