Side-by-side · Q2 2026 data
Spratt Savings Bank vs Founders Federal Credit Union
Metric by metric
| Measure | Spratt Savings Bank | Founders Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 92 (stronger) | 77 |
| Earnings | 27 | 77 (stronger) |
| Funding & liquidity | 93 (stronger) | 66 |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 82nd | 86th |
| Total assets | $154.4M | $5.2B |
| Deposits / shares | $123.0M | $4.4B |
| Capital ratio | 20.38% (stronger) | 13.62% |
| Problem loans | 0.23% (stronger) | 0.68% |
| Net charge-offs | 0.00% (stronger) | 1.07% |
| Return on assets | 0.18% | 1.43% (stronger) |
| Loans ÷ deposits | 38.5% (stronger) | 94.2% |
| Uninsured deposits | 21.5% | 11.4% (stronger) |
| Offices | 3 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.2% |
Spratt Savings Bank has the higher TellerScore (82 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Spratt Savings Bank leads on 5 and Founders 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.
Where both have branches
- Chester, SC
- Great Falls, SC