Side-by-side · Q2 2026 data
Northeast Georgia Bank vs E L C O Federal Credit Union
Metric by metric
| Measure | Northeast Georgia Bank | E L C O Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 84 |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 100 (stronger) | 74 |
| Earnings | 100 (stronger) | 78 |
| Funding & liquidity | 88 (stronger) | 70 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 98th | 75th |
| Total assets | $650.6M | $5.3M |
| Deposits / shares | $562.9M | $4.2M |
| Capital ratio | 13.41% | 20.10% (stronger) |
| Problem loans | 0.01% (stronger) | 0.78% |
| Net charge-offs | 0.07% (stronger) | 0.42% |
| Return on assets | 2.59% (stronger) | 1.45% |
| Loans ÷ deposits | 59.1% (stronger) | 90.2% |
| Uninsured deposits | 26.3% | 0.0% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northeast Georgia Bank has the higher TellerScore (93 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Northeast Georgia Bank leads on 5 and E L C O Federal Credit Union on 2. 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
- Elberton, GA