Side-by-side · Q2 2026 data
OPTUS Bank vs Columbia Post Office Credit Union
Credit union
Columbia Post Office Credit Union
Columbia, South Carolina · Under $100 million in assets
Metric by metric
| Measure | OPTUS Bank | Columbia Post Office Credit Union |
|---|---|---|
| TellerScore | 75 | 89 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 69 | 91 (stronger) |
| Earnings | 58 (stronger) | 56 |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 61st | 87th |
| Total assets | $764.2M | $25.2M |
| Deposits / shares | $646.4M | $19.0M |
| Capital ratio | 12.99% | 24.31% (stronger) |
| Problem loans | 0.94% | 0.28% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.67% |
| Return on assets | 0.95% (stronger) | 0.89% |
| Loans ÷ deposits | 70.2% | 19.0% (stronger) |
| Uninsured deposits | 18.7% | 6.2% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Columbia Post Office Credit Union has the higher TellerScore (89 vs 75). On the 7 directional measures above (where higher or lower is clearly better), OPTUS Bank leads on 2 and Columbia Post Office 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.