Side-by-side · Q2 2026 data
Oconee Federal Savings and Loan Association vs Dixies Federal Credit Union
Bank
Oconee Federal Savings and Loan Association
Seneca, South Carolina · $100 million – $1 billion
Credit union
Dixies Federal Credit Union
Darlington, South Carolina · Under $100 million in assets
Metric by metric
| Measure | Oconee Federal Savings and Loan Association | Dixies Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 77 |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 89 (stronger) | 73 |
| Earnings | 50 (stronger) | 42 |
| Funding & liquidity | 72 (stronger) | 71 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 72nd | 57th |
| Total assets | $679.4M | $47.6M |
| Deposits / shares | $571.2M | $36.5M |
| Capital ratio | 13.55% | 22.73% (stronger) |
| Problem loans | 0.33% (stronger) | 0.80% |
| Net charge-offs | -0.00% (stronger) | 0.60% |
| Return on assets | 0.76% (stronger) | 0.56% |
| Loans ÷ deposits | 86.8% (stronger) | 89.7% |
| Uninsured deposits | 16.4% | 3.2% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | — |
Oconee Federal Savings and Loan Association has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Oconee Federal Savings and Loan Association leads on 5 and Dixies Federal Credit Union on 2. 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.