Side-by-side · Q2 2026 data
The Commercial Bank vs Self Memorial Hospital Federal Credit Union
Credit union
Self Memorial Hospital Federal Credit Union
Greenwood, South Carolina · Under $100 million in assets
Metric by metric
| Measure | The Commercial Bank | Self Memorial Hospital Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 62 |
| Capital cushion | 76 (stronger) | 50 |
| Loan quality | 75 (stronger) | 60 |
| Earnings | 51 (stronger) | 39 |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 94 (stronger) | 87 |
| Peer percentile | 64th | 24th |
| Total assets | $284.2M | $14.0M |
| Deposits / shares | $251.4M | $12.5M |
| Capital ratio | 12.65% (stronger) | 10.00% |
| Problem loans | 0.75% (stronger) | 1.19% |
| Net charge-offs | -0.00% (stronger) | 0.52% |
| Return on assets | 0.77% (stronger) | 0.48% |
| Loans ÷ deposits | 40.3% (stronger) | 60.6% |
| Uninsured deposits | 17.8% | 0.7% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Commercial Bank has the higher TellerScore (76 vs 62). On the 7 directional measures above (where higher or lower is clearly better), The Commercial Bank leads on 6 and Self Memorial Hospital 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.