Side-by-side · Q2 2026 data
Southeastern Bank vs Georgia Heritage Federal Credit Union
Credit union
Georgia Heritage Federal Credit Union
Savannah, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Southeastern Bank | Georgia Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 67 |
| Capital cushion | 84 (stronger) | 54 |
| Loan quality | 87 | 89 (stronger) |
| Earnings | 89 (stronger) | 32 |
| Funding & liquidity | 80 | 83 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 90th | 41st |
| Total assets | $624.9M | $162.7M |
| Deposits / shares | $544.1M | $143.5M |
| Capital ratio | 13.42% (stronger) | 10.38% |
| Problem loans | 0.38% | 0.34% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.27% |
| Return on assets | 1.71% (stronger) | 0.30% |
| Loans ÷ deposits | 77.6% | 77.0% (stronger) |
| Uninsured deposits | 17.3% | 4.5% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | 13.4% |
Southeastern Bank has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Southeastern Bank leads on 4 and Georgia Heritage Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.