Side-by-side · Q2 2026 data
Southern Bank and Trust Company vs Workmen'S Circle Incorporated Credit Union
Credit union
Workmen'S Circle Incorporated Credit Union
Savannah, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Southern Bank and Trust Company | Workmen'S Circle Incorporated Credit Union |
|---|---|---|
| TellerScore | 70 | 90 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 96 | 100 (stronger) |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 50 (stronger) | 32 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 58th | 95th |
| Total assets | $5.3B | $135.0M |
| Deposits / shares | $4.8B | $106.6M |
| Capital ratio | 9.63% | 20.83% (stronger) |
| Problem loans | 0.12% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.40% | 2.25% (stronger) |
| Loans ÷ deposits | 73.9% (stronger) | 101.8% |
| Uninsured deposits | 47.7% | 38.3% (stronger) |
| Offices | 56 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 2.2% |
Workmen'S Circle Incorporated Credit Union has the higher TellerScore (90 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank and Trust Company leads on 1 and Workmen'S Circle Incorporated Credit Union on 6. 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.