Side-by-side · Q2 2026 data
South Georgia Banking Company vs Southeastern Credit Union
Metric by metric
| Measure | South Georgia Banking Company | Southeastern Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 73 |
| Capital cushion | 89 (stronger) | 58 |
| Loan quality | 82 | 86 (stronger) |
| Earnings | 85 (stronger) | 66 |
| Funding & liquidity | 75 (stronger) | 74 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 88th | 60th |
| Total assets | $570.1M | $440.7M |
| Deposits / shares | $487.6M | $388.5M |
| Capital ratio | 13.86% (stronger) | 10.81% |
| Problem loans | 0.55% | 0.41% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.17% |
| Return on assets | 1.63% (stronger) | 1.14% |
| Loans ÷ deposits | 80.9% (stronger) | 85.8% |
| Uninsured deposits | 18.6% | 5.9% (stronger) |
| Offices | 8 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.6% | 3.3% |
South Georgia Banking Company has the higher TellerScore (85 vs 73). On the 7 directional measures above (where higher or lower is clearly better), South Georgia Banking Company leads on 5 and Southeastern Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.