Side-by-side · Q2 2026 data
South Georgia Bank vs United Neighborhood Federal Credit Union
Credit union
United Neighborhood Federal Credit Union
Augusta, Georgia · Under $100 million in assets
Metric by metric
| Measure | South Georgia Bank | United Neighborhood Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 51 |
| Capital cushion | 56 (stronger) | 35 |
| Loan quality | 95 (stronger) | 67 |
| Earnings | 94 (stronger) | 0 |
| Funding & liquidity | 81 | 97 (stronger) |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 80th | 10th |
| Total assets | $269.5M | $3.0M |
| Deposits / shares | $241.3M | $2.7M |
| Capital ratio | 10.60% (stronger) | 8.50% |
| Problem loans | 0.16% (stronger) | 0.98% |
| Net charge-offs | 0.24% (stronger) | 6.27% |
| Return on assets | 1.85% (stronger) | -5.02% |
| Loans ÷ deposits | 55.4% (stronger) | 63.1% |
| Uninsured deposits | 32.4% | 0.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | — |
South Georgia Bank has the higher TellerScore (81 vs 51). On the 7 directional measures above (where higher or lower is clearly better), South Georgia Bank leads on 6 and United Neighborhood Federal Credit Union on 1. 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.