Side-by-side · Q2 2026 data
South Georgia Bank vs Srp Federal Credit Union
Metric by metric
| Measure | South Georgia Bank | Srp Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 81 |
| Capital cushion | 56 | 88 (stronger) |
| Loan quality | 95 (stronger) | 75 |
| Earnings | 94 (stronger) | 73 |
| Funding & liquidity | 81 (stronger) | 78 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 80th | 89th |
| Total assets | $269.5M | $2.1B |
| Deposits / shares | $241.3M | $1.8B |
| Capital ratio | 10.60% | 13.79% (stronger) |
| Problem loans | 0.16% (stronger) | 0.74% |
| Net charge-offs | 0.24% (stronger) | 0.85% |
| Return on assets | 1.85% (stronger) | 1.34% |
| Loans ÷ deposits | 55.4% (stronger) | 81.9% |
| Uninsured deposits | 32.4% | 4.9% (stronger) |
| Offices | 5 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | 16.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), South Georgia Bank leads on 4 and Srp 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.