Side-by-side · Q2 2026 data
Waycross Bank & Trust vs Ware County School Employees Federal Credit Union
Credit union
Ware County School Employees Federal Credit Union
Waycross, Georgia · Under $100 million in assets
Metric by metric
| Measure | Waycross Bank & Trust | Ware County School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 86 (stronger) |
| Capital cushion | 71 | 91 (stronger) |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 72 (stronger) | 62 |
| Funding & liquidity | 72 | 75 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 75th | 80th |
| Total assets | $242.2M | $6.3M |
| Deposits / shares | $217.3M | $5.4M |
| Capital ratio | 12.15% | 14.08% (stronger) |
| Problem loans | 0.25% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.13% |
| Return on assets | 1.30% (stronger) | 1.05% |
| Loans ÷ deposits | 56.5% (stronger) | 85.7% |
| Uninsured deposits | 40.1% | 12.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ware County School Employees Federal Credit Union has the higher TellerScore (86 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Waycross Bank & Trust leads on 3 and Ware County School Employees Federal Credit Union on 4. 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.