Side-by-side · Q2 2026 data
S. C. State Federal Credit Union vs Columbia Post Office Credit Union
Credit union
S. C. State 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 | S. C. State Federal Credit Union | Columbia Post Office Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 89 |
| Capital cushion | 100 | 100 |
| Loan quality | 73 | 91 (stronger) |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 98th | 87th |
| Total assets | $1.5B | $25.2M |
| Deposits / shares | $1.2B | $19.0M |
| Capital ratio | 15.57% | 24.31% (stronger) |
| Problem loans | 0.82% | 0.28% (stronger) |
| Net charge-offs | 1.01% | 0.67% (stronger) |
| Return on assets | 2.06% (stronger) | 0.89% |
| Loans ÷ deposits | 70.2% | 19.0% (stronger) |
| Uninsured deposits | 3.6% (stronger) | 6.2% |
| Offices | 16 | 1 |
| 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 89). On the 7 directional measures above (where higher or lower is clearly better), S. C. State Federal Credit Union leads on 3 and Columbia Post Office Credit Union on 4. 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.