Side-by-side · Q2 2026 data
OPTUS Bank vs South Carolina National Guard Federal Credit Union
Credit union
South Carolina National Guard Federal Credit Union
Columbia, South Carolina · Under $100 million in assets
Metric by metric
| Measure | OPTUS Bank | South Carolina National Guard Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 99 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 69 | 96 (stronger) |
| Earnings | 58 | 100 (stronger) |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 61st | 99th |
| Total assets | $764.2M | $98.3M |
| Deposits / shares | $646.4M | $73.7M |
| Capital ratio | 12.99% | 26.61% (stronger) |
| Problem loans | 0.94% | 0.13% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.16% |
| Return on assets | 0.95% | 2.26% (stronger) |
| Loans ÷ deposits | 70.2% | 45.4% (stronger) |
| Uninsured deposits | 18.7% | 3.6% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Carolina National Guard Federal Credit Union has the higher TellerScore (99 vs 75). On the 7 directional measures above (where higher or lower is clearly better), OPTUS Bank leads on 1 and South Carolina National Guard Federal Credit Union on 6. 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.