Side-by-side · Q2 2026 data
OPTUS Bank vs S. C. State Federal Credit Union
Credit union
S. C. State Federal Credit Union
Columbia, South Carolina · $1 billion – $10 billion
Metric by metric
| Measure | OPTUS Bank | S. C. State Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 91 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 69 | 73 (stronger) |
| Earnings | 58 | 100 (stronger) |
| Funding & liquidity | 86 | 90 (stronger) |
| Problem-loan coverage | 90 | 94 (stronger) |
| Peer percentile | 61st | 98th |
| Total assets | $764.2M | $1.5B |
| Deposits / shares | $646.4M | $1.2B |
| Capital ratio | 12.99% | 15.57% (stronger) |
| Problem loans | 0.94% | 0.82% (stronger) |
| Net charge-offs | 0.03% (stronger) | 1.01% |
| Return on assets | 0.95% | 2.06% (stronger) |
| Loans ÷ deposits | 70.2% (stronger) | 70.2% |
| Uninsured deposits | 18.7% | 3.6% (stronger) |
| Offices | 2 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.2% |
S. C. State Federal Credit Union has the higher TellerScore (91 vs 75). On the 7 directional measures above (where higher or lower is clearly better), OPTUS Bank 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.