Side-by-side · Q2 2026 data
Spratt Savings Bank vs Sharonview Federal Credit Union
Credit union
Sharonview Federal Credit Union
Fort Mill, South Carolina · $1 billion – $10 billion
Metric by metric
| Measure | Spratt Savings Bank | Sharonview Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 44 |
| Capital cushion | 100 (stronger) | 26 |
| Loan quality | 92 (stronger) | 61 |
| Earnings | 27 (stronger) | 11 |
| Funding & liquidity | 93 (stronger) | 80 |
| Problem-loan coverage | 99 (stronger) | 72 |
| Peer percentile | 82nd | 3rd |
| Total assets | $154.4M | $1.3B |
| Deposits / shares | $123.0M | $1.2B |
| Capital ratio | 20.38% (stronger) | 7.63% |
| Problem loans | 0.23% (stronger) | 1.18% |
| Net charge-offs | 0.00% (stronger) | 0.78% |
| Return on assets | 0.18% (stronger) | -0.23% |
| Loans ÷ deposits | 38.5% (stronger) | 80.3% |
| Uninsured deposits | 21.5% | 9.6% (stronger) |
| Offices | 3 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 50.3% |
Spratt Savings Bank has the higher TellerScore (82 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Spratt Savings Bank leads on 6 and Sharonview Federal Credit Union on 1. 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.