Side-by-side · Q2 2026 data
Hopesouth Federal Credit Union vs E L C O Federal Credit Union
Credit union
Hopesouth Federal Credit Union
Abbeville, South Carolina · Under $100 million in assets
Metric by metric
| Measure | Hopesouth Federal Credit Union | E L C O Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 84 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 74 (stronger) |
| Earnings | 67 | 78 (stronger) |
| Funding & liquidity | 100 (stronger) | 70 |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 34th | 75th |
| Total assets | $39.4M | $5.3M |
| Deposits / shares | $29.0M | $4.2M |
| Capital ratio | 25.39% (stronger) | 20.10% |
| Problem loans | 3.23% | 0.78% (stronger) |
| Net charge-offs | 1.27% | 0.42% (stronger) |
| Return on assets | 1.17% | 1.45% (stronger) |
| Loans ÷ deposits | 53.6% (stronger) | 90.2% |
| Uninsured deposits | 2.0% | 0.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
E L C O Federal Credit Union has the higher TellerScore (84 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Hopesouth Federal Credit Union leads on 2 and E L C O 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.