Side-by-side · Q2 2026 data
South Georgia Banking Company vs Flint River Employees Federal Credit Union
Credit union
Flint River Employees Federal Credit Union
Oglethorpe, Georgia · Under $100 million in assets
Metric by metric
| Measure | South Georgia Banking Company | Flint River Employees Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 82 |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 82 | 93 (stronger) |
| Earnings | 85 (stronger) | 53 |
| Funding & liquidity | 75 (stronger) | 54 |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 88th | 70th |
| Total assets | $570.1M | $1.7M |
| Deposits / shares | $487.6M | $1.1M |
| Capital ratio | 13.86% | 38.06% (stronger) |
| Problem loans | 0.55% | 0.22% (stronger) |
| Net charge-offs | 0.06% | -0.31% (stronger) |
| Return on assets | 1.63% (stronger) | 0.83% |
| Loans ÷ deposits | 80.9% (stronger) | 106.5% |
| Uninsured deposits | 18.6% | 0.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.6% | — |
South Georgia Banking Company has the higher TellerScore (85 vs 82). On the 7 directional measures above (where higher or lower is clearly better), South Georgia Banking Company leads on 3 and Flint River Employees 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.