Side-by-side · Q2 2026 data
Spratt Savings Bank vs Family Trust Federal Credit Union
Credit union
Family Trust Federal Credit Union
Rock Hill, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Spratt Savings Bank | Family Trust Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 92 (stronger) | 76 |
| Earnings | 27 | 61 (stronger) |
| Funding & liquidity | 93 (stronger) | 66 |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 82nd | 54th |
| Total assets | $154.4M | $805.4M |
| Deposits / shares | $123.0M | $675.5M |
| Capital ratio | 20.38% (stronger) | 11.85% |
| Problem loans | 0.23% (stronger) | 0.73% |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | 0.18% | 1.04% (stronger) |
| Loans ÷ deposits | 38.5% (stronger) | 94.6% |
| Uninsured deposits | 21.5% | 8.4% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.6% |
Spratt Savings Bank has the higher TellerScore (82 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Spratt Savings Bank leads on 5 and Family Trust Federal Credit Union on 2. 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.