Side-by-side · Q2 2026 data
The Citizens National Bank of Quitman vs Locoga Federal Credit Union
Credit union
Locoga Federal Credit Union
Valdosta, Georgia · Under $100 million in assets
Metric by metric
| Measure | The Citizens National Bank of Quitman | Locoga Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 48 |
| Capital cushion | 66 (stronger) | 21 |
| Loan quality | 93 (stronger) | 55 |
| Earnings | 83 (stronger) | 30 |
| Funding & liquidity | 75 | 96 (stronger) |
| Problem-loan coverage | 98 (stronger) | 80 |
| Peer percentile | 80th | 7th |
| Total assets | $133.7M | $4.5M |
| Deposits / shares | $119.0M | $4.2M |
| Capital ratio | 11.56% (stronger) | 7.08% |
| Problem loans | 0.21% (stronger) | 1.35% |
| Net charge-offs | 0.09% | -0.13% (stronger) |
| Return on assets | 1.58% (stronger) | 0.24% |
| Loans ÷ deposits | 68.5% | 64.2% (stronger) |
| Uninsured deposits | 30.3% | 2.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.9% | — |
The Citizens National Bank of Quitman has the higher TellerScore (81 vs 48). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Quitman leads on 4 and Locoga 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.