Side-by-side · Q2 2026 data
First Community Bank vs South Carolina National Guard Federal Credit Union
Credit union
South Carolina National Guard Federal Credit Union
Columbia, South Carolina · Under $100 million in assets
Metric by metric
| Measure | First Community Bank | South Carolina National Guard Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 99 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 98 (stronger) | 96 |
| Earnings | 70 | 100 (stronger) |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 63rd | 99th |
| Total assets | $2.4B | $98.3M |
| Deposits / shares | $2.0B | $73.7M |
| Capital ratio | 9.29% | 26.61% (stronger) |
| Problem loans | 0.05% (stronger) | 0.13% |
| Net charge-offs | 0.00% (stronger) | 0.16% |
| Return on assets | 1.25% | 2.26% (stronger) |
| Loans ÷ deposits | 77.4% | 45.4% (stronger) |
| Uninsured deposits | 32.7% | 3.6% (stronger) |
| Offices | 22 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.8% | — |
South Carolina National Guard Federal Credit Union has the higher TellerScore (99 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 2 and South Carolina National Guard Federal Credit Union on 5. 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.