Side-by-side · Q2 2026 data
Palmetto Citizens Federal Credit Union vs Columbia Post Office Credit Union
Credit union
Palmetto Citizens Federal Credit Union
Columbia, South Carolina · $1 billion – $10 billion
Credit union
Columbia Post Office Credit Union
Columbia, South Carolina · Under $100 million in assets
Metric by metric
| Measure | Palmetto Citizens Federal Credit Union | Columbia Post Office Credit Union |
|---|---|---|
| TellerScore | 80 | 89 (stronger) |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 63 | 91 (stronger) |
| Earnings | 79 (stronger) | 56 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 88th | 87th |
| Total assets | $1.5B | $25.2M |
| Deposits / shares | $1.2B | $19.0M |
| Capital ratio | 13.48% | 24.31% (stronger) |
| Problem loans | 1.11% | 0.28% (stronger) |
| Net charge-offs | 0.80% | 0.67% (stronger) |
| Return on assets | 1.49% (stronger) | 0.89% |
| Loans ÷ deposits | 69.3% | 19.0% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 6.2% |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.7% | — |
Columbia Post Office Credit Union has the higher TellerScore (89 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Palmetto Citizens Federal Credit Union 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.