Side-by-side · Q2 2026 data
Palmetto State Bank vs Workmen'S Circle Incorporated Credit Union
Credit union
Workmen'S Circle Incorporated Credit Union
Savannah, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Palmetto State Bank | Workmen'S Circle Incorporated Credit Union |
|---|---|---|
| TellerScore | 88 | 90 (stronger) |
| Capital cushion | 98 | 100 (stronger) |
| Loan quality | 96 | 100 (stronger) |
| Earnings | 58 | 100 (stronger) |
| Funding & liquidity | 86 (stronger) | 32 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 92nd | 95th |
| Total assets | $597.5M | $135.0M |
| Deposits / shares | $493.7M | $106.6M |
| Capital ratio | 14.85% | 20.83% (stronger) |
| Problem loans | 0.12% | 0.00% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 0.96% | 2.25% (stronger) |
| Loans ÷ deposits | 46.5% (stronger) | 101.8% |
| Uninsured deposits | 27.4% (stronger) | 38.3% |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 2.2% |
Workmen'S Circle Incorporated Credit Union has the higher TellerScore (90 vs 88). On the 7 directional measures above (where higher or lower is clearly better), Palmetto State Bank leads on 3 and Workmen'S Circle Incorporated Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.