Side-by-side · Q2 2026 data
Palmetto State Bank vs Savannah Schools Federal Credit Union
Credit union
Savannah Schools Federal Credit Union
Savannah, Georgia · Under $100 million in assets
Metric by metric
| Measure | Palmetto State Bank | Savannah Schools Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 61 |
| Capital cushion | 98 (stronger) | 63 |
| Loan quality | 96 (stronger) | 57 |
| Earnings | 58 (stronger) | 32 |
| Funding & liquidity | 86 (stronger) | 83 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 92nd | 23rd |
| Total assets | $597.5M | $45.4M |
| Deposits / shares | $493.7M | $39.8M |
| Capital ratio | 14.85% (stronger) | 11.29% |
| Problem loans | 0.12% (stronger) | 1.29% |
| Net charge-offs | -0.03% (stronger) | 1.29% |
| Return on assets | 0.96% (stronger) | 0.31% |
| Loans ÷ deposits | 46.5% | 34.3% (stronger) |
| Uninsured deposits | 27.4% (stronger) | 30.7% |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Palmetto State Bank has the higher TellerScore (88 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Palmetto State Bank leads on 6 and Savannah Schools Federal Credit Union on 1. 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.