Side-by-side · Q2 2026 data
Northeast Georgia Bank vs Upstate Federal Credit Union
Credit union
Upstate Federal Credit Union
Anderson, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Northeast Georgia Bank | Upstate Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 64 |
| Capital cushion | 84 (stronger) | 48 |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 100 (stronger) | 23 |
| Funding & liquidity | 88 (stronger) | 87 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 98th | 31st |
| Total assets | $650.6M | $148.5M |
| Deposits / shares | $562.9M | $133.8M |
| Capital ratio | 13.41% (stronger) | 9.77% |
| Problem loans | 0.01% (stronger) | 0.26% |
| Net charge-offs | 0.07% (stronger) | 0.27% |
| Return on assets | 2.59% (stronger) | 0.08% |
| Loans ÷ deposits | 59.1% (stronger) | 73.3% |
| Uninsured deposits | 26.3% | 1.9% (stronger) |
| Offices | 9 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northeast Georgia Bank has the higher TellerScore (93 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Northeast Georgia Bank leads on 6 and Upstate Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.