Side-by-side · Q2 2026 data
Upstate Federal Credit Union vs Spc Credit Union
Credit union
Upstate Federal Credit Union
Anderson, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Upstate Federal Credit Union | Spc Credit Union |
|---|---|---|
| TellerScore | 64 | 66 (stronger) |
| Capital cushion | 48 | 64 (stronger) |
| Loan quality | 91 (stronger) | 62 |
| Earnings | 23 | 46 (stronger) |
| Funding & liquidity | 87 | 93 (stronger) |
| Problem-loan coverage | 95 (stronger) | 86 |
| Peer percentile | 31st | 37th |
| Total assets | $148.5M | $265.8M |
| Deposits / shares | $133.8M | $234.3M |
| Capital ratio | 9.77% | 11.42% (stronger) |
| Problem loans | 0.26% (stronger) | 1.13% |
| Net charge-offs | 0.27% (stronger) | 0.71% |
| Return on assets | 0.08% | 0.65% (stronger) |
| Loans ÷ deposits | 73.3% | 67.7% (stronger) |
| Uninsured deposits | 1.9% (stronger) | 3.5% |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 46.8% |
Spc Credit Union has the higher TellerScore (66 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Upstate Federal Credit Union leads on 3 and Spc Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.