Side-by-side · Q2 2026 data
Stephens County Community Federal Credit Union vs Harris Employees Credit Union
Credit union
Stephens County Community Federal Credit Union
Toccoa, Georgia · Under $100 million in assets
Credit union
Harris Employees Credit Union
Cordele, Georgia · Under $100 million in assets
Metric by metric
| Measure | Stephens County Community Federal Credit Union | Harris Employees Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 53 |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 0 | 0 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 74 | 90 (stronger) |
| Peer percentile | 38th | 12th |
| Total assets | $155K | $626K |
| Deposits / shares | $133K | $389K |
| Capital ratio | 13.97% | 34.27% (stronger) |
| Problem loans | 13.84% | 3.95% (stronger) |
| Net charge-offs | 0.00% | -1.47% (stronger) |
| Return on assets | 3.63% (stronger) | -1.39% |
| Loans ÷ deposits | 16.6% (stronger) | 68.7% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Stephens County Community Federal Credit Union has the higher TellerScore (69 vs 53). On the 6 directional measures above (where higher or lower is clearly better), Stephens County Community Federal Credit Union leads on 3 and Harris Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.