Side-by-side · Q2 2026 data
Waycross Bank & Trust vs Southeastern Credit Union
Metric by metric
| Measure | Waycross Bank & Trust | Southeastern Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 73 |
| Capital cushion | 71 (stronger) | 58 |
| Loan quality | 92 (stronger) | 86 |
| Earnings | 72 (stronger) | 66 |
| Funding & liquidity | 72 | 74 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 75th | 60th |
| Total assets | $242.2M | $440.7M |
| Deposits / shares | $217.3M | $388.5M |
| Capital ratio | 12.15% (stronger) | 10.81% |
| Problem loans | 0.25% (stronger) | 0.41% |
| Net charge-offs | -0.00% (stronger) | 0.17% |
| Return on assets | 1.30% (stronger) | 1.14% |
| Loans ÷ deposits | 56.5% (stronger) | 85.8% |
| Uninsured deposits | 40.1% | 5.9% (stronger) |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
Waycross Bank & Trust has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Waycross Bank & Trust leads on 6 and Southeastern Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.