Side-by-side · Q2 2026 data
First Capital Bank vs South Carolina Federal Credit Union
Credit union
South Carolina Federal Credit Union
North Charlesto, South Carolina · $1 billion – $10 billion
Metric by metric
| Measure | First Capital Bank | South Carolina Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 76 (stronger) |
| Capital cushion | 46 | 83 (stronger) |
| Loan quality | 97 (stronger) | 80 |
| Earnings | 65 (stronger) | 59 |
| Funding & liquidity | 49 | 67 (stronger) |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 49th | 79th |
| Total assets | $1.3B | $2.6B |
| Deposits / shares | $1.1B | $2.1B |
| Capital ratio | 9.58% | 13.34% (stronger) |
| Problem loans | 0.10% (stronger) | 0.60% |
| Net charge-offs | -0.00% (stronger) | 0.47% |
| Return on assets | 1.14% (stronger) | 0.98% |
| Loans ÷ deposits | 97.3% | 93.2% (stronger) |
| Uninsured deposits | 27.1% | 7.5% (stronger) |
| Offices | 4 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | 15.7% |
South Carolina Federal Credit Union has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Capital Bank leads on 3 and South Carolina Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.