Side-by-side · Q2 2026 data
Palmetto State Bank vs Georgia Heritage Federal Credit Union
Credit union
Georgia Heritage Federal Credit Union
Savannah, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Palmetto State Bank | Georgia Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 67 |
| Capital cushion | 98 (stronger) | 54 |
| Loan quality | 96 (stronger) | 89 |
| Earnings | 58 (stronger) | 32 |
| Funding & liquidity | 86 (stronger) | 83 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 92nd | 41st |
| Total assets | $597.5M | $162.7M |
| Deposits / shares | $493.7M | $143.5M |
| Capital ratio | 14.85% (stronger) | 10.38% |
| Problem loans | 0.12% (stronger) | 0.34% |
| Net charge-offs | -0.03% (stronger) | 0.27% |
| Return on assets | 0.96% (stronger) | 0.30% |
| Loans ÷ deposits | 46.5% (stronger) | 77.0% |
| Uninsured deposits | 27.4% | 4.5% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 13.4% |
Palmetto State Bank has the higher TellerScore (88 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Palmetto State Bank leads on 6 and Georgia Heritage Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.