Side-by-side · Q2 2026 data
Vallant Bank vs Robins Financial Credit Union
Credit union
Robins Financial Credit Union
Warner Robins, Georgia · $1 billion – $10 billion
Metric by metric
| Measure | Vallant Bank | Robins Financial Credit Union |
|---|---|---|
| TellerScore | 78 | 94 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 83 | 87 (stronger) |
| Earnings | 73 | 97 (stronger) |
| Funding & liquidity | 69 | 90 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 86th | 99th |
| Total assets | $4.0B | $5.0B |
| Deposits / shares | $3.5B | $4.1B |
| Capital ratio | 12.70% | 17.61% (stronger) |
| Problem loans | 0.51% | 0.40% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.42% |
| Return on assets | 1.33% | 1.91% (stronger) |
| Loans ÷ deposits | 85.2% | 70.6% (stronger) |
| Uninsured deposits | 20.6% | 7.2% (stronger) |
| Offices | 36 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Robins Financial Credit Union has the higher TellerScore (94 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Vallant Bank leads on 1 and Robins Financial Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.