Side-by-side · Q2 2026 data
Southeast First National Bank vs Innovations Financial Credit Union
Credit union
Innovations Financial Credit Union
Panama City, Florida · $100 million – $1 billion
Metric by metric
| Measure | Southeast First National Bank | Innovations Financial Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 67 |
| Capital cushion | 67 (stronger) | 45 |
| Loan quality | 98 (stronger) | 95 |
| Earnings | 52 | 54 (stronger) |
| Funding & liquidity | 60 | 62 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 51st | 41st |
| Total assets | $74.9M | $696.1M |
| Deposits / shares | $66.0M | $625.8M |
| Capital ratio | 11.67% (stronger) | 9.49% |
| Problem loans | 0.06% (stronger) | 0.14% |
| Net charge-offs | 0.09% (stronger) | 0.31% |
| Return on assets | 0.80% | 0.85% (stronger) |
| Loans ÷ deposits | 28.2% (stronger) | 86.6% |
| Uninsured deposits | 50.9% | 25.6% (stronger) |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 18.8% |
Southeast First National Bank has the higher TellerScore (74 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Southeast First National Bank leads on 5 and Innovations Financial 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.