Side-by-side · Q2 2026 data
South Atlantic Bank vs Santee Cooper Credit Union
Credit union
Santee Cooper Credit Union
Moncks Corner, South Carolina · Under $100 million in assets
Metric by metric
| Measure | South Atlantic Bank | Santee Cooper Credit Union |
|---|---|---|
| TellerScore | 70 | 82 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 100 (stronger) | 68 |
| Earnings | 63 | 71 (stronger) |
| Funding & liquidity | 58 | 80 (stronger) |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 58th | 70th |
| Total assets | $2.0B | $95.9M |
| Deposits / shares | $1.7B | $80.4M |
| Capital ratio | 9.42% | 15.01% (stronger) |
| Problem loans | 0.01% (stronger) | 0.97% |
| Net charge-offs | 0.00% (stronger) | 0.18% |
| Return on assets | 1.07% | 1.28% (stronger) |
| Loans ÷ deposits | 91.1% | 80.7% (stronger) |
| Uninsured deposits | 25.5% | 9.3% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
Santee Cooper Credit Union has the higher TellerScore (82 vs 70). On the 7 directional measures above (where higher or lower is clearly better), South Atlantic Bank leads on 2 and Santee Cooper 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.