Side-by-side · Q2 2026 data
S. C. State Federal Credit Union vs Spc Credit Union
Credit union
S. C. State Federal Credit Union
Columbia, South Carolina · $1 billion – $10 billion
Metric by metric
| Measure | S. C. State Federal Credit Union | Spc Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 64 |
| Loan quality | 73 (stronger) | 62 |
| Earnings | 100 (stronger) | 46 |
| Funding & liquidity | 90 | 93 (stronger) |
| Problem-loan coverage | 94 (stronger) | 86 |
| Peer percentile | 98th | 37th |
| Total assets | $1.5B | $265.8M |
| Deposits / shares | $1.2B | $234.3M |
| Capital ratio | 15.57% (stronger) | 11.42% |
| Problem loans | 0.82% (stronger) | 1.13% |
| Net charge-offs | 1.01% | 0.71% (stronger) |
| Return on assets | 2.06% (stronger) | 0.65% |
| Loans ÷ deposits | 70.2% | 67.7% (stronger) |
| Uninsured deposits | 3.6% | 3.5% (stronger) |
| Offices | 16 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.2% | 46.8% |
S. C. State Federal Credit Union has the higher TellerScore (91 vs 66). On the 7 directional measures above (where higher or lower is clearly better), S. C. State Federal Credit Union leads on 4 and Spc Credit Union on 3. 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.