Side-by-side · Q2 2026 data
Home Federal Savings and Loan Association vs Srp Federal Credit Union
Bank
Home Federal Savings and Loan Association
Bamberg, South Carolina · Under $100 million in assets
Metric by metric
| Measure | Home Federal Savings and Loan Association | Srp Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 81 (stronger) |
| Capital cushion | 94 (stronger) | 88 |
| Loan quality | 91 (stronger) | 75 |
| Earnings | 35 | 73 (stronger) |
| Funding & liquidity | 64 | 78 (stronger) |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 58th | 89th |
| Total assets | $40.5M | $2.1B |
| Deposits / shares | $33.9M | $1.8B |
| Capital ratio | 14.44% (stronger) | 13.79% |
| Problem loans | 0.28% (stronger) | 0.74% |
| Net charge-offs | 0.00% (stronger) | 0.85% |
| Return on assets | 0.38% | 1.34% (stronger) |
| Loans ÷ deposits | 95.8% | 81.9% (stronger) |
| Uninsured deposits | 11.4% | 4.9% (stronger) |
| Offices | 1 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.6% |
Srp Federal Credit Union has the higher TellerScore (81 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Home Federal Savings and Loan Association leads on 3 and Srp Federal Credit Union on 4. 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.