Side-by-side · Q2 2026 data
Oconee Federal Savings and Loan Association vs North Georgia Credit Union
Bank
Oconee Federal Savings and Loan Association
Seneca, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Oconee Federal Savings and Loan Association | North Georgia Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 70 |
| Capital cushion | 86 (stronger) | 62 |
| Loan quality | 89 (stronger) | 87 |
| Earnings | 50 (stronger) | 43 |
| Funding & liquidity | 72 | 76 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 72nd | 51st |
| Total assets | $679.4M | $121.7M |
| Deposits / shares | $571.2M | $105.9M |
| Capital ratio | 13.55% (stronger) | 11.15% |
| Problem loans | 0.33% (stronger) | 0.39% |
| Net charge-offs | -0.00% (stronger) | 0.18% |
| Return on assets | 0.76% (stronger) | 0.58% |
| Loans ÷ deposits | 86.8% | 84.2% (stronger) |
| Uninsured deposits | 16.4% | 5.3% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | — |
Oconee Federal Savings and Loan Association has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Oconee Federal Savings and Loan Association leads on 5 and North Georgia 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.