Side-by-side · Q2 2026 data
Oconee State Bank vs Robins Financial Credit Union
Credit union
Robins Financial Credit Union
Warner Robins, Georgia · $1 billion – $10 billion
Metric by metric
| Measure | Oconee State Bank | Robins Financial Credit Union |
|---|---|---|
| TellerScore | 44 | 94 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 6 | 87 (stronger) |
| Earnings | 53 | 97 (stronger) |
| Funding & liquidity | 70 | 90 (stronger) |
| Problem-loan coverage | 60 | 97 (stronger) |
| Peer percentile | 4th | 99th |
| Total assets | $744.1M | $5.0B |
| Deposits / shares | $658.3M | $4.1B |
| Capital ratio | 9.98% | 17.61% (stronger) |
| Problem loans | 2.83% | 0.40% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.42% |
| Return on assets | 0.81% | 1.91% (stronger) |
| Loans ÷ deposits | 81.6% | 70.6% (stronger) |
| Uninsured deposits | 22.5% | 7.2% (stronger) |
| Offices | 6 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | — |
Robins Financial Credit Union has the higher TellerScore (94 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Oconee State Bank leads on 1 and Robins Financial Credit Union on 6. 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
- Macon, GA
- Athens, GA
- Watkinsville, GA