Side-by-side · Q2 2026 data
Caro Federal Credit Union vs S. C. State Federal Credit Union
Credit union
S. C. State Federal Credit Union
Columbia, South Carolina · $1 billion – $10 billion
Metric by metric
| Measure | Caro Federal Credit Union | S. C. State Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 91 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 71 | 73 (stronger) |
| Earnings | 33 | 100 (stronger) |
| Funding & liquidity | 87 | 90 (stronger) |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 71st | 98th |
| Total assets | $174.9M | $1.5B |
| Deposits / shares | $149.7M | $1.2B |
| Capital ratio | 15.41% | 15.57% (stronger) |
| Problem loans | 0.88% | 0.82% (stronger) |
| Net charge-offs | 0.17% (stronger) | 1.01% |
| Return on assets | 0.32% | 2.06% (stronger) |
| Loans ÷ deposits | 73.4% | 70.2% (stronger) |
| Uninsured deposits | 3.9% | 3.6% (stronger) |
| Offices | 5 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.2% |
S. C. State Federal Credit Union has the higher TellerScore (91 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Caro Federal Credit Union leads on 1 and S. C. State Federal Credit Union on 6. 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.