Side-by-side · Q2 2026 data
Carolina Foothills Federal Credit Union vs Upstate Federal Credit Union
Credit union
Carolina Foothills Federal Credit Union
Spartanburg, South Carolina · $100 million – $1 billion
Credit union
Upstate Federal Credit Union
Anderson, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Carolina Foothills Federal Credit Union | Upstate Federal Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 64 |
| Capital cushion | 70 (stronger) | 48 |
| Loan quality | 57 | 91 (stronger) |
| Earnings | 76 (stronger) | 23 |
| Funding & liquidity | 76 | 87 (stronger) |
| Problem-loan coverage | 84 | 95 (stronger) |
| Peer percentile | 51st | 31st |
| Total assets | $224.3M | $148.5M |
| Deposits / shares | $188.8M | $133.8M |
| Capital ratio | 12.02% (stronger) | 9.77% |
| Problem loans | 1.30% | 0.26% (stronger) |
| Net charge-offs | 0.60% | 0.27% (stronger) |
| Return on assets | 1.39% (stronger) | 0.08% |
| Loans ÷ deposits | 84.3% | 73.3% (stronger) |
| Uninsured deposits | 2.7% | 1.9% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Carolina Foothills Federal Credit Union has the higher TellerScore (70 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Carolina Foothills Federal Credit Union leads on 3 and Upstate Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.