Side-by-side · Q2 2026 data
Upstate Federal Credit Union vs Mid Carolina Credit Union
Credit union
Upstate Federal Credit Union
Anderson, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Upstate Federal Credit Union | Mid Carolina Credit Union |
|---|---|---|
| TellerScore | 64 | 77 (stronger) |
| Capital cushion | 48 | 77 (stronger) |
| Loan quality | 91 (stronger) | 78 |
| Earnings | 23 | 55 (stronger) |
| Funding & liquidity | 87 | 92 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 31st | 71st |
| Total assets | $148.5M | $181.8M |
| Deposits / shares | $133.8M | $160.6M |
| Capital ratio | 9.77% | 12.69% (stronger) |
| Problem loans | 0.26% (stronger) | 0.66% |
| Net charge-offs | 0.27% (stronger) | 0.38% |
| Return on assets | 0.08% | 0.89% (stronger) |
| Loans ÷ deposits | 73.3% | 68.0% (stronger) |
| Uninsured deposits | 1.9% (stronger) | 3.6% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Mid Carolina Credit Union has the higher TellerScore (77 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Upstate Federal Credit Union leads on 3 and Mid Carolina Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.