Side-by-side · Q2 2026 data
Carolina Trust Federal Credit Union vs Santee Cooper Credit Union
Credit union
Carolina Trust Federal Credit Union
Myrtle Beach, South Carolina · $100 million – $1 billion
Credit union
Santee Cooper Credit Union
Moncks Corner, South Carolina · Under $100 million in assets
Metric by metric
| Measure | Carolina Trust Federal Credit Union | Santee Cooper Credit Union |
|---|---|---|
| TellerScore | 64 | 82 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 72 (stronger) | 68 |
| Earnings | 57 | 71 (stronger) |
| Funding & liquidity | 73 | 80 (stronger) |
| Problem-loan coverage | 87 | 91 (stronger) |
| Peer percentile | 31st | 70th |
| Total assets | $422.0M | $95.9M |
| Deposits / shares | $375.9M | $80.4M |
| Capital ratio | 10.04% | 15.01% (stronger) |
| Problem loans | 0.83% (stronger) | 0.97% |
| Net charge-offs | 0.68% | 0.18% (stronger) |
| Return on assets | 0.92% | 1.28% (stronger) |
| Loans ÷ deposits | 87.2% | 80.7% (stronger) |
| Uninsured deposits | 3.0% (stronger) | 9.3% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 52.9% | — |
Santee Cooper Credit Union has the higher TellerScore (82 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Carolina Trust Federal Credit Union leads on 2 and Santee Cooper Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.