Side-by-side · Q2 2026 data
Sunmark Community Bank vs Flint River Employees Federal Credit Union
Credit union
Flint River Employees Federal Credit Union
Oglethorpe, Georgia · Under $100 million in assets
Metric by metric
| Measure | Sunmark Community Bank | Flint River Employees Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 82 |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 99 (stronger) | 93 |
| Earnings | 100 (stronger) | 53 |
| Funding & liquidity | 57 (stronger) | 54 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 97th | 70th |
| Total assets | $556.6M | $1.7M |
| Deposits / shares | $467.5M | $1.1M |
| Capital ratio | 14.61% | 38.06% (stronger) |
| Problem loans | 0.02% (stronger) | 0.22% |
| Net charge-offs | 0.00% | -0.31% (stronger) |
| Return on assets | 2.77% (stronger) | 0.83% |
| Loans ÷ deposits | 84.8% (stronger) | 106.5% |
| Uninsured deposits | 31.6% | 0.0% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sunmark Community Bank has the higher TellerScore (92 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Sunmark Community Bank leads on 4 and Flint River Employees Federal Credit Union on 3. 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.