Side-by-side · Q2 2026 data
The Upstate National Bank vs Sea Comm Federal Credit Union
Metric by metric
| Measure | The Upstate National Bank | Sea Comm Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 89 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 23 | 77 (stronger) |
| Funding & liquidity | 50 | 92 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 24th | 94th |
| Total assets | $294.8M | $777.3M |
| Deposits / shares | $208.8M | $651.4M |
| Capital ratio | 10.19% | 17.96% (stronger) |
| Problem loans | 0.00% (stronger) | 0.63% |
| Net charge-offs | -0.00% (stronger) | 0.25% |
| Return on assets | 0.07% | 1.42% (stronger) |
| Loans ÷ deposits | 110.3% | 68.0% (stronger) |
| Uninsured deposits | 10.2% | 5.5% (stronger) |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sea Comm Federal Credit Union has the higher TellerScore (89 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The Upstate National Bank leads on 2 and Sea Comm Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.