Side-by-side · Q2 2026 data
First Reliance Bank vs Palmetto First Federal Credit Union
Credit union
Palmetto First Federal Credit Union
Florence, South Carolina · Under $100 million in assets
Metric by metric
| Measure | First Reliance Bank | Palmetto First Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 77 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 98 (stronger) | 37 |
| Earnings | 69 | 87 (stronger) |
| Funding & liquidity | 42 | 76 (stronger) |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 63rd | 57th |
| Total assets | $1.1B | $64.1M |
| Deposits / shares | $922.0M | $50.5M |
| Capital ratio | 10.53% | 21.01% (stronger) |
| Problem loans | 0.07% (stronger) | 1.89% |
| Net charge-offs | -0.00% (stronger) | 1.56% |
| Return on assets | 1.21% | 1.66% (stronger) |
| Loans ÷ deposits | 90.0% | 84.7% (stronger) |
| Uninsured deposits | 40.3% | 8.7% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Palmetto First Federal Credit Union has the higher TellerScore (77 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Reliance Bank leads on 2 and Palmetto First 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.