Side-by-side · Q2 2026 data
United Community Bank vs Ware County School Employees Federal Credit Union
Credit union
Ware County School Employees Federal Credit Union
Waycross, Georgia · Under $100 million in assets
Metric by metric
| Measure | United Community Bank | Ware County School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 86 (stronger) |
| Capital cushion | 45 | 91 (stronger) |
| Loan quality | 83 | 100 (stronger) |
| Earnings | 76 (stronger) | 62 |
| Funding & liquidity | 51 | 75 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 63rd | 80th |
| Total assets | $29.0B | $6.3M |
| Deposits / shares | $24.1B | $5.4M |
| Capital ratio | 9.52% | 14.08% (stronger) |
| Problem loans | 0.51% | 0.00% (stronger) |
| Net charge-offs | 0.19% | 0.13% (stronger) |
| Return on assets | 1.40% (stronger) | 1.05% |
| Loans ÷ deposits | 82.3% (stronger) | 85.7% |
| Uninsured deposits | 39.4% | 12.6% (stronger) |
| Offices | 190 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.4% | — |
Ware County School Employees Federal Credit Union has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 2 and Ware County School Employees Federal Credit Union on 5. 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.