Side-by-side · Q2 2026 data
South Carolina Federal Credit Union vs Georgetown Kraft Credit Union
Credit union
South Carolina Federal Credit Union
North Charlesto, South Carolina · $1 billion – $10 billion
Credit union
Georgetown Kraft Credit Union
Georgetown, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | South Carolina Federal Credit Union | Georgetown Kraft Credit Union |
|---|---|---|
| TellerScore | 76 | 87 (stronger) |
| Capital cushion | 83 | 100 (stronger) |
| Loan quality | 80 (stronger) | 68 |
| Earnings | 59 | 84 (stronger) |
| Funding & liquidity | 67 | 90 (stronger) |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 79th | 91st |
| Total assets | $2.6B | $191.9M |
| Deposits / shares | $2.1B | $155.4M |
| Capital ratio | 13.34% | 18.67% (stronger) |
| Problem loans | 0.60% (stronger) | 0.95% |
| Net charge-offs | 0.47% (stronger) | 0.87% |
| Return on assets | 0.98% | 1.59% (stronger) |
| Loans ÷ deposits | 93.2% | 70.5% (stronger) |
| Uninsured deposits | 7.5% | 3.0% (stronger) |
| Offices | 19 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.7% | — |
Georgetown Kraft Credit Union has the higher TellerScore (87 vs 76). On the 7 directional measures above (where higher or lower is clearly better), South Carolina Federal Credit Union leads on 2 and Georgetown Kraft 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.