Side-by-side · Q2 2026 data
Vallant Bank vs Stephens County Community Federal Credit Union
Credit union
Stephens County Community Federal Credit Union
Toccoa, Georgia · Under $100 million in assets
Metric by metric
| Measure | Vallant Bank | Stephens County Community Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 69 |
| Capital cushion | 77 | 90 (stronger) |
| Loan quality | 83 (stronger) | 0 |
| Earnings | 73 | 100 (stronger) |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 94 (stronger) | 74 |
| Peer percentile | 86th | 38th |
| Total assets | $4.0B | $155K |
| Deposits / shares | $3.5B | $133K |
| Capital ratio | 12.70% | 13.97% (stronger) |
| Problem loans | 0.51% (stronger) | 13.84% |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.33% | 3.63% (stronger) |
| Loans ÷ deposits | 85.2% | 16.6% (stronger) |
| Uninsured deposits | 20.6% | 0.0% (stronger) |
| Offices | 36 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vallant Bank has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Vallant Bank leads on 2 and Stephens County Community 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.