Side-by-side · Q2 2026 data
On the Grid Financial Federal Credit Union vs Lanier Federal Credit Union
Credit union
On the Grid Financial Federal Credit Union
Atlanta, Georgia · Under $100 million in assets
Metric by metric
| Measure | On the Grid Financial Federal Credit Union | Lanier Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 53 |
| Capital cushion | 89 (stronger) | 43 |
| Loan quality | 88 (stronger) | 82 |
| Earnings | 19 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 57th | 12th |
| Total assets | $45.3M | $71.6M |
| Deposits / shares | $38.7M | $64.3M |
| Capital ratio | 13.88% (stronger) | 9.31% |
| Problem loans | 0.37% (stronger) | 0.53% |
| Net charge-offs | 0.48% (stronger) | 0.67% |
| Return on assets | -0.02% (stronger) | -0.70% |
| Loans ÷ deposits | 47.0% (stronger) | 92.0% |
| Uninsured deposits | 1.8% | 1.4% (stronger) |
| Offices | 0 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
On the Grid Financial Federal Credit Union has the higher TellerScore (77 vs 53). On the 7 directional measures above (where higher or lower is clearly better), On the Grid Financial Federal Credit Union leads on 6 and Lanier Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.