Side-by-side · Q2 2026 data
West Central Georgia Bank vs Robins Financial Credit Union
Credit union
Robins Financial Credit Union
Warner Robins, Georgia · $1 billion – $10 billion
Metric by metric
| Measure | West Central Georgia Bank | Robins Financial Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 94 |
| Capital cushion | 100 | 100 |
| Loan quality | 99 (stronger) | 87 |
| Earnings | 86 | 97 (stronger) |
| Funding & liquidity | 97 (stronger) | 90 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 100th | 99th |
| Total assets | $160.4M | $5.0B |
| Deposits / shares | $123.7M | $4.1B |
| Capital ratio | 22.22% (stronger) | 17.61% |
| Problem loans | 0.04% (stronger) | 0.40% |
| Net charge-offs | 0.02% (stronger) | 0.42% |
| Return on assets | 1.65% | 1.91% (stronger) |
| Loans ÷ deposits | 62.8% (stronger) | 70.6% |
| Uninsured deposits | 13.1% | 7.2% (stronger) |
| Offices | 2 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Central Georgia Bank has the higher TellerScore (97 vs 94). On the 7 directional measures above (where higher or lower is clearly better), West Central Georgia Bank leads on 5 and Robins Financial Credit Union on 2. 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.