Side-by-side · Q2 2026 data
Savannah Bank National Association vs ESL Federal Credit Union
Metric by metric
| Measure | Savannah Bank National Association | ESL Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 90 (stronger) |
| Capital cushion | 39 | 100 (stronger) |
| Loan quality | 92 (stronger) | 70 |
| Earnings | 47 | 100 (stronger) |
| Funding & liquidity | 79 | 86 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 31st | 92nd |
| Total assets | $187.2M | $10.8B |
| Deposits / shares | $170.3M | $6.2B |
| Capital ratio | 8.92% | 16.40% (stronger) |
| Problem loans | 0.23% (stronger) | 0.90% |
| Net charge-offs | -0.05% (stronger) | 0.83% |
| Return on assets | 0.66% | 2.26% (stronger) |
| Loans ÷ deposits | 52.8% (stronger) | 74.2% |
| Uninsured deposits | 33.9% | 10.2% (stronger) |
| Offices | 5 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.4% |
ESL Federal Credit Union has the higher TellerScore (90 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Savannah Bank National Association leads on 3 and ESL Federal Credit Union on 4. 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.