Side-by-side · Q2 2026 data
Woodruff Federal Savings and Loan Association vs 1st Federal Savings Bank of SC, Inc.
Bank
Woodruff Federal Savings and Loan Association
Woodruff, South Carolina · $100 million – $1 billion
Bank
1st Federal Savings Bank of SC, Inc.
Walterboro, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Woodruff Federal Savings and Loan Association | 1st Federal Savings Bank of SC, Inc. |
|---|---|---|
| TellerScore | 78 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 86 | 100 (stronger) |
| Earnings | 33 | 44 (stronger) |
| Funding & liquidity | 66 | 70 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 72nd | 37th |
| Total assets | $104.2M | $151.6M |
| Deposits / shares | $69.0M | $134.3M |
| Capital ratio | 31.47% (stronger) | 9.68% |
| Problem loans | 0.42% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 0.33% | 0.61% (stronger) |
| Loans ÷ deposits | 94.1% | 86.1% (stronger) |
| Uninsured deposits | 9.4% (stronger) | 18.5% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Woodruff Federal Savings and Loan Association has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Woodruff Federal Savings and Loan Association leads on 4 and 1st Federal Savings Bank of SC, Inc. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.