Side-by-side · Q2 2026 data
Valdosta Teachers Federal Credit Union vs Mercy Federal Credit Union
Credit union
Valdosta Teachers Federal Credit Union
Valdosta, Georgia · Under $100 million in assets
Metric by metric
| Measure | Valdosta Teachers Federal Credit Union | Mercy Federal Credit Union |
|---|---|---|
| TellerScore | 61 (stronger) | 55 |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 24 (stronger) | 12 |
| Earnings | 32 (stronger) | 3 |
| Funding & liquidity | 100 (stronger) | 86 |
| Problem-loan coverage | 85 (stronger) | 81 |
| Peer percentile | 23rd | 15th |
| Total assets | $13.2M | $12.4M |
| Deposits / shares | $11.3M | $10.2M |
| Capital ratio | 13.41% | 19.33% (stronger) |
| Problem loans | 2.29% (stronger) | 2.65% |
| Net charge-offs | 0.51% (stronger) | 2.79% |
| Return on assets | 0.31% (stronger) | -0.42% |
| Loans ÷ deposits | 50.4% (stronger) | 74.3% |
| Uninsured deposits | 1.0% (stronger) | 4.3% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Valdosta Teachers Federal Credit Union has the higher TellerScore (61 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Valdosta Teachers Federal Credit Union leads on 6 and Mercy Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.