Side-by-side · Q2 2026 data
Home Federal Savings and Loan Association vs S. C. H. D. Dist #7 Federal Credit Union
Bank
Home Federal Savings and Loan Association
Bamberg, South Carolina · Under $100 million in assets
Credit union
S. C. H. D. Dist #7 Federal Credit Union
Orangeburg, South Carolina · Under $100 million in assets
Metric by metric
| Measure | Home Federal Savings and Loan Association | S. C. H. D. Dist #7 Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 51 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 91 (stronger) | 0 |
| Earnings | 35 (stronger) | 0 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 61 |
| Peer percentile | 58th | 10th |
| Total assets | $40.5M | $4.9M |
| Deposits / shares | $33.9M | $4.0M |
| Capital ratio | 14.44% | 17.70% (stronger) |
| Problem loans | 0.28% (stronger) | 7.50% |
| Net charge-offs | 0.00% (stronger) | 2.32% |
| Return on assets | 0.38% (stronger) | -0.76% |
| Loans ÷ deposits | 95.8% | 56.2% (stronger) |
| Uninsured deposits | 11.4% | 5.2% (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 51). On the 7 directional measures above (where higher or lower is clearly better), Home Federal Savings and Loan Association leads on 4 and S. C. H. D. Dist #7 Federal Credit Union on 3. 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.