Side-by-side · Q2 2026 data
Stephens County Community Federal Credit Union vs S. C. State Federal Credit Union
Credit union
Stephens County Community Federal Credit Union
Toccoa, Georgia · Under $100 million in assets
Credit union
S. C. State Federal Credit Union
Columbia, South Carolina · $1 billion – $10 billion
Metric by metric
| Measure | Stephens County Community Federal Credit Union | S. C. State Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 91 (stronger) |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 0 | 73 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 74 | 94 (stronger) |
| Peer percentile | 38th | 98th |
| Total assets | $155K | $1.5B |
| Deposits / shares | $133K | $1.2B |
| Capital ratio | 13.97% | 15.57% (stronger) |
| Problem loans | 13.84% | 0.82% (stronger) |
| Net charge-offs | 0.00% (stronger) | 1.01% |
| Return on assets | 3.63% (stronger) | 2.06% |
| Loans ÷ deposits | 16.6% (stronger) | 70.2% |
| Uninsured deposits | 0.0% (stronger) | 3.6% |
| Offices | 2 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.2% |
S. C. State Federal Credit Union has the higher TellerScore (91 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Stephens County Community Federal Credit Union leads on 4 and S. C. State Federal Credit Union on 3. 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.