Side-by-side · Q2 2026 data
Oconee Federal Savings and Loan Association vs S. C. State Federal Credit Union
Bank
Oconee Federal Savings and Loan Association
Seneca, South Carolina · $100 million – $1 billion
Credit union
S. C. State Federal Credit Union
Columbia, South Carolina · $1 billion – $10 billion
Metric by metric
| Measure | Oconee Federal Savings and Loan Association | S. C. State Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 91 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 89 (stronger) | 73 |
| Earnings | 50 | 100 (stronger) |
| Funding & liquidity | 72 | 90 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 72nd | 98th |
| Total assets | $679.4M | $1.5B |
| Deposits / shares | $571.2M | $1.2B |
| Capital ratio | 13.55% | 15.57% (stronger) |
| Problem loans | 0.33% (stronger) | 0.82% |
| Net charge-offs | -0.00% (stronger) | 1.01% |
| Return on assets | 0.76% | 2.06% (stronger) |
| Loans ÷ deposits | 86.8% | 70.2% (stronger) |
| Uninsured deposits | 16.4% | 3.6% (stronger) |
| Offices | 8 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | 23.2% |
S. C. State Federal Credit Union has the higher TellerScore (91 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Oconee Federal Savings and Loan Association leads on 2 and S. C. State Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.