Side-by-side · Q2 2026 data
Edisto Federal Credit Union vs Berkeley Community Federal Credit Union
Credit union
Edisto Federal Credit Union
Orangeburg, South Carolina · Under $100 million in assets
Credit union
Berkeley Community Federal Credit Union
Moncks Corner, South Carolina · Under $100 million in assets
Metric by metric
| Measure | Edisto Federal Credit Union | Berkeley Community Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 73 |
| Capital cushion | 100 | 100 |
| Loan quality | 49 (stronger) | 0 |
| Earnings | 35 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 93 (stronger) | 84 |
| Peer percentile | 49th | 47th |
| Total assets | $23.4M | $16.6M |
| Deposits / shares | $19.2M | $13.3M |
| Capital ratio | 17.37% | 19.70% (stronger) |
| Problem loans | 1.54% (stronger) | 5.60% |
| Net charge-offs | 0.29% (stronger) | 0.36% |
| Return on assets | 0.39% | 2.51% (stronger) |
| Loans ÷ deposits | 50.1% | 34.5% (stronger) |
| Uninsured deposits | 3.3% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Edisto Federal Credit Union has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Edisto Federal Credit Union leads on 3 and Berkeley Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.