Side-by-side · Q2 2026 data
Edisto Federal Credit Union vs Emerald Credit Association Federal Credit Union
Credit union
Edisto Federal Credit Union
Orangeburg, South Carolina · Under $100 million in assets
Credit union
Emerald Credit Association Federal Credit Union
Greenwood, South Carolina · Under $100 million in assets
Metric by metric
| Measure | Edisto Federal Credit Union | Emerald Credit Association Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 34 |
| Loan quality | 49 | 100 (stronger) |
| Earnings | 35 (stronger) | 34 |
| Funding & liquidity | 100 (stronger) | 83 |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 49th | 28th |
| Total assets | $23.4M | $10.3M |
| Deposits / shares | $19.2M | $9.4M |
| Capital ratio | 17.37% (stronger) | 8.39% |
| Problem loans | 1.54% | 0.00% (stronger) |
| Net charge-offs | 0.29% | 0.22% (stronger) |
| Return on assets | 0.39% (stronger) | 0.35% |
| Loans ÷ deposits | 50.1% (stronger) | 77.3% |
| 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 64). On the 7 directional measures above (where higher or lower is clearly better), Edisto Federal Credit Union leads on 4 and Emerald Credit Association Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.