Side-by-side · Q2 2026 data
Caro Federal Credit Union vs Columbia Post Office Credit Union
Credit union
Columbia Post Office Credit Union
Columbia, South Carolina · Under $100 million in assets
Metric by metric
| Measure | Caro Federal Credit Union | Columbia Post Office Credit Union |
|---|---|---|
| TellerScore | 77 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 71 | 91 (stronger) |
| Earnings | 33 | 56 (stronger) |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 71st | 87th |
| Total assets | $174.9M | $25.2M |
| Deposits / shares | $149.7M | $19.0M |
| Capital ratio | 15.41% | 24.31% (stronger) |
| Problem loans | 0.88% | 0.28% (stronger) |
| Net charge-offs | 0.17% (stronger) | 0.67% |
| Return on assets | 0.32% | 0.89% (stronger) |
| Loans ÷ deposits | 73.4% | 19.0% (stronger) |
| Uninsured deposits | 3.9% (stronger) | 6.2% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Columbia Post Office Credit Union has the higher TellerScore (89 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Caro Federal Credit Union leads on 2 and Columbia Post Office 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.