Side-by-side · Q2 2026 data
Oconee Federal Savings and Loan Association vs S C I Federal Credit Union
Bank
Oconee Federal Savings and Loan Association
Seneca, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Oconee Federal Savings and Loan Association | S C I Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 76 |
| Capital cushion | 86 | 92 (stronger) |
| Loan quality | 89 (stronger) | 88 |
| Earnings | 50 (stronger) | 10 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 72nd | 54th |
| Total assets | $679.4M | $23.6M |
| Deposits / shares | $571.2M | $20.2M |
| Capital ratio | 13.55% | 14.24% (stronger) |
| Problem loans | 0.33% (stronger) | 0.36% |
| Net charge-offs | -0.00% (stronger) | 0.04% |
| Return on assets | 0.76% (stronger) | -0.25% |
| Loans ÷ deposits | 86.8% | 46.2% (stronger) |
| Uninsured deposits | 16.4% | 0.6% (stronger) |
| Offices | 8 | 2 |
| 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 76). On the 7 directional measures above (where higher or lower is clearly better), Oconee Federal Savings and Loan Association leads on 4 and S C I 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.