Side-by-side · Q2 2026 data
South Georgia Bank vs Interstate Credit Union
Metric by metric
| Measure | South Georgia Bank | Interstate Credit Union |
|---|---|---|
| TellerScore | 81 | 89 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 95 (stronger) | 82 |
| Earnings | 94 | 100 (stronger) |
| Funding & liquidity | 81 (stronger) | 63 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 80th | 94th |
| Total assets | $269.5M | $410.9M |
| Deposits / shares | $241.3M | $341.0M |
| Capital ratio | 10.60% | 15.85% (stronger) |
| Problem loans | 0.16% (stronger) | 0.54% |
| Net charge-offs | 0.24% (stronger) | 0.32% |
| Return on assets | 1.85% | 2.43% (stronger) |
| Loans ÷ deposits | 55.4% (stronger) | 97.0% |
| Uninsured deposits | 32.4% | 6.8% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | 27.8% |
Interstate Credit Union has the higher TellerScore (89 vs 81). On the 7 directional measures above (where higher or lower is clearly better), South Georgia Bank leads on 3 and Interstate Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.