Side-by-side · Q2 2026 data
Emerald Credit Association Federal Credit Union vs S. C. State Federal Credit Union
Credit union
Emerald Credit Association Federal Credit Union
Greenwood, South Carolina · Under $100 million in assets
Credit union
S. C. State Federal Credit Union
Columbia, South Carolina · $1 billion – $10 billion
Metric by metric
| Measure | Emerald Credit Association Federal Credit Union | S. C. State Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 91 (stronger) |
| Capital cushion | 34 | 100 (stronger) |
| Loan quality | 100 (stronger) | 73 |
| Earnings | 34 | 100 (stronger) |
| Funding & liquidity | 83 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 28th | 98th |
| Total assets | $10.3M | $1.5B |
| Deposits / shares | $9.4M | $1.2B |
| Capital ratio | 8.39% | 15.57% (stronger) |
| Problem loans | 0.00% (stronger) | 0.82% |
| Net charge-offs | 0.22% (stronger) | 1.01% |
| Return on assets | 0.35% | 2.06% (stronger) |
| Loans ÷ deposits | 77.3% | 70.2% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 3.6% |
| Offices | 1 | 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 64). On the 7 directional measures above (where higher or lower is clearly better), Emerald Credit Association Federal Credit Union leads on 3 and S. C. State Federal Credit Union on 4. 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.