Side-by-side · Q2 2026 data
Valdosta Teachers Federal Credit Union vs Southern Pine 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 | Southern Pine Credit Union |
|---|---|---|
| TellerScore | 61 | 82 (stronger) |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 24 | 74 (stronger) |
| Earnings | 32 | 58 (stronger) |
| Funding & liquidity | 100 (stronger) | 83 |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 23rd | 70th |
| Total assets | $13.2M | $27.6M |
| Deposits / shares | $11.3M | $20.9M |
| Capital ratio | 13.41% | 23.71% (stronger) |
| Problem loans | 2.29% | 0.79% (stronger) |
| Net charge-offs | 0.51% | 0.00% (stronger) |
| Return on assets | 0.31% | 0.95% (stronger) |
| Loans ÷ deposits | 50.4% (stronger) | 77.0% |
| Uninsured deposits | 1.0% | 0.1% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Pine Credit Union has the higher TellerScore (82 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Valdosta Teachers Federal Credit Union leads on 1 and Southern Pine Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.