Side-by-side · Q2 2026 data
Walker County Educators Federal Credit Union vs Southern Credit Union
Credit union
Walker County Educators Federal Credit Union
Chickamauga, Georgia · Under $100 million in assets
Metric by metric
| Measure | Walker County Educators Federal Credit Union | Southern Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 43 |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 99 (stronger) | 0 |
| Earnings | 46 (stronger) | 0 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 76 |
| Peer percentile | 83rd | 4th |
| Total assets | $15.1M | $18.1M |
| Deposits / shares | $11.4M | $15.9M |
| Capital ratio | 24.79% (stronger) | 11.81% |
| Problem loans | 0.03% (stronger) | 3.48% |
| Net charge-offs | -0.02% (stronger) | 0.39% |
| Return on assets | 0.66% (stronger) | -0.69% |
| Loans ÷ deposits | 73.4% | 46.0% (stronger) |
| Uninsured deposits | 1.2% (stronger) | 6.6% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Walker County Educators Federal Credit Union has the higher TellerScore (87 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Walker County Educators Federal Credit Union leads on 6 and Southern Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.