Side-by-side · Q2 2026 data
Oconee Federal Savings and Loan Association vs Palmetto First Federal Credit Union
Bank
Oconee Federal Savings and Loan Association
Seneca, South Carolina · $100 million – $1 billion
Credit union
Palmetto First Federal Credit Union
Florence, South Carolina · Under $100 million in assets
Metric by metric
| Measure | Oconee Federal Savings and Loan Association | Palmetto First Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 77 |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 89 (stronger) | 37 |
| Earnings | 50 | 87 (stronger) |
| Funding & liquidity | 72 | 76 (stronger) |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 72nd | 57th |
| Total assets | $679.4M | $64.1M |
| Deposits / shares | $571.2M | $50.5M |
| Capital ratio | 13.55% | 21.01% (stronger) |
| Problem loans | 0.33% (stronger) | 1.89% |
| Net charge-offs | -0.00% (stronger) | 1.56% |
| Return on assets | 0.76% | 1.66% (stronger) |
| Loans ÷ deposits | 86.8% | 84.7% (stronger) |
| Uninsured deposits | 16.4% | 8.7% (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 3 and Palmetto First 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.