Side-by-side · Q2 2026 data
S C I Federal Credit Union vs Emerald Credit Association Federal Credit Union
Credit union
Emerald Credit Association Federal Credit Union
Greenwood, South Carolina · Under $100 million in assets
Metric by metric
| Measure | S C I Federal Credit Union | Emerald Credit Association Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 64 |
| Capital cushion | 92 (stronger) | 34 |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 10 | 34 (stronger) |
| Funding & liquidity | 100 (stronger) | 83 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 54th | 28th |
| Total assets | $23.6M | $10.3M |
| Deposits / shares | $20.2M | $9.4M |
| Capital ratio | 14.24% (stronger) | 8.39% |
| Problem loans | 0.36% | 0.00% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.22% |
| Return on assets | -0.25% | 0.35% (stronger) |
| Loans ÷ deposits | 46.2% (stronger) | 77.3% |
| Uninsured deposits | 0.6% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
S C I Federal Credit Union has the higher TellerScore (76 vs 64). On the 7 directional measures above (where higher or lower is clearly better), S C I Federal Credit Union leads on 4 and Emerald Credit Association Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.