Side-by-side · Q2 2026 data
Vallant Bank vs Flint River Employees Federal Credit Union
Credit union
Flint River Employees Federal Credit Union
Oglethorpe, Georgia · Under $100 million in assets
Metric by metric
| Measure | Vallant Bank | Flint River Employees Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 82 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 83 | 93 (stronger) |
| Earnings | 73 (stronger) | 53 |
| Funding & liquidity | 69 (stronger) | 54 |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 86th | 70th |
| Total assets | $4.0B | $1.7M |
| Deposits / shares | $3.5B | $1.1M |
| Capital ratio | 12.70% | 38.06% (stronger) |
| Problem loans | 0.51% | 0.22% (stronger) |
| Net charge-offs | 0.08% | -0.31% (stronger) |
| Return on assets | 1.33% (stronger) | 0.83% |
| Loans ÷ deposits | 85.2% (stronger) | 106.5% |
| Uninsured deposits | 20.6% | 0.0% (stronger) |
| Offices | 36 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Flint River Employees Federal Credit Union has the higher TellerScore (82 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Vallant Bank leads on 2 and Flint River 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.