Side-by-side · Q2 2026 data
Rabun County Bank vs Omega Psi Phi Fraternity Federal Credit Union
Credit union
Omega Psi Phi Fraternity Federal Credit Union
Toccoa, Georgia · Under $100 million in assets
Metric by metric
| Measure | Rabun County Bank | Omega Psi Phi Fraternity Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 62 |
| Capital cushion | 55 (stronger) | 41 |
| Loan quality | 98 (stronger) | 73 |
| Earnings | 86 (stronger) | 34 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 80th | 24th |
| Total assets | $361.5M | $5.5M |
| Deposits / shares | $321.3M | $5.0M |
| Capital ratio | 10.49% (stronger) | 9.14% |
| Problem loans | 0.05% (stronger) | 0.81% |
| Net charge-offs | -0.01% (stronger) | 1.10% |
| Return on assets | 1.64% (stronger) | 0.35% |
| Loans ÷ deposits | 71.8% | 36.8% (stronger) |
| Uninsured deposits | 16.5% | 12.4% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Rabun County Bank has the higher TellerScore (81 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Rabun County Bank leads on 5 and Omega Psi Phi Fraternity Federal Credit Union on 2. 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.