Side-by-side · Q2 2026 data
Northeast Georgia Bank vs Lanier Federal Credit Union
Metric by metric
| Measure | Northeast Georgia Bank | Lanier Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 53 |
| Capital cushion | 84 (stronger) | 43 |
| Loan quality | 100 (stronger) | 82 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 88 (stronger) | 68 |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 98th | 12th |
| Total assets | $650.6M | $71.6M |
| Deposits / shares | $562.9M | $64.3M |
| Capital ratio | 13.41% (stronger) | 9.31% |
| Problem loans | 0.01% (stronger) | 0.53% |
| Net charge-offs | 0.07% (stronger) | 0.67% |
| Return on assets | 2.59% (stronger) | -0.70% |
| Loans ÷ deposits | 59.1% (stronger) | 92.0% |
| Uninsured deposits | 26.3% | 1.4% (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 53). On the 7 directional measures above (where higher or lower is clearly better), Northeast Georgia Bank leads on 6 and Lanier Federal Credit Union on 1. 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.