Side-by-side · Q2 2026 data
Southeast First National Bank vs Walker County Educators Federal Credit Union
Credit union
Walker County Educators Federal Credit Union
Chickamauga, Georgia · Under $100 million in assets
Metric by metric
| Measure | Southeast First National Bank | Walker County Educators Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 87 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 98 | 99 (stronger) |
| Earnings | 52 (stronger) | 46 |
| Funding & liquidity | 60 | 87 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 51st | 83rd |
| Total assets | $74.9M | $15.1M |
| Deposits / shares | $66.0M | $11.4M |
| Capital ratio | 11.67% | 24.79% (stronger) |
| Problem loans | 0.06% | 0.03% (stronger) |
| Net charge-offs | 0.09% | -0.02% (stronger) |
| Return on assets | 0.80% (stronger) | 0.66% |
| Loans ÷ deposits | 28.2% (stronger) | 73.4% |
| Uninsured deposits | 50.9% | 1.2% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Walker County Educators Federal Credit Union has the higher TellerScore (87 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Southeast First National Bank leads on 2 and Walker County Educators Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.