Side-by-side · Q2 2026 data
Palmetto Citizens Federal Credit Union vs S. C. State Federal Credit Union
Credit union
Palmetto Citizens Federal Credit Union
Columbia, South Carolina · $1 billion – $10 billion
Credit union
S. C. State Federal Credit Union
Columbia, South Carolina · $1 billion – $10 billion
Metric by metric
| Measure | Palmetto Citizens Federal Credit Union | S. C. State Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 91 (stronger) |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 63 | 73 (stronger) |
| Earnings | 79 | 100 (stronger) |
| Funding & liquidity | 91 (stronger) | 90 |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 88th | 98th |
| Total assets | $1.5B | $1.5B |
| Deposits / shares | $1.2B | $1.2B |
| Capital ratio | 13.48% | 15.57% (stronger) |
| Problem loans | 1.11% | 0.82% (stronger) |
| Net charge-offs | 0.80% (stronger) | 1.01% |
| Return on assets | 1.49% | 2.06% (stronger) |
| Loans ÷ deposits | 69.3% (stronger) | 70.2% |
| Uninsured deposits | 0.0% (stronger) | 3.6% |
| Offices | 11 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.7% | 23.2% |
S. C. State Federal Credit Union has the higher TellerScore (91 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Palmetto Citizens Federal Credit Union leads on 3 and S. C. State Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.