Side-by-side · Q2 2026 data
Valdosta Teachers Federal Credit Union vs Combined Employees Credit Union
Credit union
Valdosta Teachers Federal Credit Union
Valdosta, Georgia · Under $100 million in assets
Credit union
Combined Employees Credit Union
Warner Robins, Georgia · Under $100 million in assets
Metric by metric
| Measure | Valdosta Teachers Federal Credit Union | Combined Employees Credit Union |
|---|---|---|
| TellerScore | 61 | 66 (stronger) |
| Capital cushion | 84 (stronger) | 34 |
| Loan quality | 24 | 98 (stronger) |
| Earnings | 32 | 48 (stronger) |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 85 | 98 (stronger) |
| Peer percentile | 23rd | 32nd |
| Total assets | $13.2M | $18.3M |
| Deposits / shares | $11.3M | $16.6M |
| Capital ratio | 13.41% (stronger) | 8.39% |
| Problem loans | 2.29% | 0.05% (stronger) |
| Net charge-offs | 0.51% | 0.28% (stronger) |
| Return on assets | 0.31% | 0.69% (stronger) |
| Loans ÷ deposits | 50.4% (stronger) | 81.1% |
| Uninsured deposits | 1.0% (stronger) | 7.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Combined Employees Credit Union has the higher TellerScore (66 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Valdosta Teachers Federal Credit Union leads on 3 and Combined Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.