Side-by-side · Q2 2026 data
Southeastern Bank vs Vystar Credit Union
Metric by metric
| Measure | Southeastern Bank | Vystar Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 51 |
| Capital cushion | 84 (stronger) | 39 |
| Loan quality | 87 (stronger) | 58 |
| Earnings | 89 (stronger) | 39 |
| Funding & liquidity | 80 (stronger) | 64 |
| Problem-loan coverage | 96 (stronger) | 77 |
| Peer percentile | 90th | 13th |
| Total assets | $624.9M | $14.3B |
| Deposits / shares | $544.1M | $11.2B |
| Capital ratio | 13.42% (stronger) | 8.93% |
| Problem loans | 0.38% (stronger) | 1.25% |
| Net charge-offs | -0.04% (stronger) | 1.04% |
| Return on assets | 1.71% (stronger) | 0.48% |
| Loans ÷ deposits | 77.6% (stronger) | 96.0% |
| Uninsured deposits | 17.3% | 6.9% (stronger) |
| Offices | 11 | 79 |
| CFPB complaints (3 yrs) | — | 917 |
| Complaints per $1B deposits | — | 82.1 |
| Mortgage denial rate (HMDA) | 2.2% | 48.8% |
Southeastern Bank has the higher TellerScore (86 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Southeastern Bank leads on 6 and Vystar Credit Union on 1. 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.
Where both have branches
- Callahan, FL