Side-by-side · Q2 2026 data
Home Federal Savings and Loan Association vs Edisto Federal Credit Union
Bank
Home Federal Savings and Loan Association
Bamberg, South Carolina · Under $100 million in assets
Credit union
Edisto Federal Credit Union
Orangeburg, South Carolina · Under $100 million in assets
Metric by metric
| Measure | Home Federal Savings and Loan Association | Edisto Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 74 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 91 (stronger) | 49 |
| Earnings | 35 | 35 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 58th | 49th |
| Total assets | $40.5M | $23.4M |
| Deposits / shares | $33.9M | $19.2M |
| Capital ratio | 14.44% | 17.37% (stronger) |
| Problem loans | 0.28% (stronger) | 1.54% |
| Net charge-offs | 0.00% (stronger) | 0.29% |
| Return on assets | 0.38% | 0.39% (stronger) |
| Loans ÷ deposits | 95.8% | 50.1% (stronger) |
| Uninsured deposits | 11.4% | 3.3% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home Federal Savings and Loan Association has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Home Federal Savings and Loan Association leads on 3 and Edisto Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.