Side-by-side · Q2 2026 data
Founders Federal Credit Union vs S. C. State Federal Credit Union
Credit union
S. C. State Federal Credit Union
Columbia, South Carolina · $1 billion – $10 billion
Metric by metric
| Measure | Founders Federal Credit Union | S. C. State Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 91 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 77 (stronger) | 73 |
| Earnings | 77 | 100 (stronger) |
| Funding & liquidity | 66 | 90 (stronger) |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 86th | 98th |
| Total assets | $5.2B | $1.5B |
| Deposits / shares | $4.4B | $1.2B |
| Capital ratio | 13.62% | 15.57% (stronger) |
| Problem loans | 0.68% (stronger) | 0.82% |
| Net charge-offs | 1.07% | 1.01% (stronger) |
| Return on assets | 1.43% | 2.06% (stronger) |
| Loans ÷ deposits | 94.2% | 70.2% (stronger) |
| Uninsured deposits | 11.4% | 3.6% (stronger) |
| Offices | 28 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.2% | 23.2% |
S. C. State Federal Credit Union has the higher TellerScore (91 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Founders Federal Credit Union leads on 1 and S. C. State Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.