Side-by-side · Q2 2026 data
First Community Bank vs Columbia Post Office Credit Union
Credit union
Columbia Post Office Credit Union
Columbia, South Carolina · Under $100 million in assets
Metric by metric
| Measure | First Community Bank | Columbia Post Office Credit Union |
|---|---|---|
| TellerScore | 71 | 89 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 98 (stronger) | 91 |
| Earnings | 70 (stronger) | 56 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 63rd | 87th |
| Total assets | $2.4B | $25.2M |
| Deposits / shares | $2.0B | $19.0M |
| Capital ratio | 9.29% | 24.31% (stronger) |
| Problem loans | 0.05% (stronger) | 0.28% |
| Net charge-offs | 0.00% (stronger) | 0.67% |
| Return on assets | 1.25% (stronger) | 0.89% |
| Loans ÷ deposits | 77.4% | 19.0% (stronger) |
| Uninsured deposits | 32.7% | 6.2% (stronger) |
| Offices | 22 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.8% | — |
Columbia Post Office Credit Union has the higher TellerScore (89 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 3 and Columbia Post Office 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.