Side-by-side · Q2 2026 data
Woodruff Federal Savings and Loan Association vs Founders Federal Credit Union
Bank
Woodruff Federal Savings and Loan Association
Woodruff, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Woodruff Federal Savings and Loan Association | Founders Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 79 (stronger) |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 86 (stronger) | 77 |
| Earnings | 33 | 77 (stronger) |
| Funding & liquidity | 66 | 66 |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 72nd | 86th |
| Total assets | $104.2M | $5.2B |
| Deposits / shares | $69.0M | $4.4B |
| Capital ratio | 31.47% (stronger) | 13.62% |
| Problem loans | 0.42% (stronger) | 0.68% |
| Net charge-offs | 0.00% (stronger) | 1.07% |
| Return on assets | 0.33% | 1.43% (stronger) |
| Loans ÷ deposits | 94.1% (stronger) | 94.2% |
| Uninsured deposits | 9.4% (stronger) | 11.4% |
| Offices | 1 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.2% |
Founders Federal Credit Union has the higher TellerScore (79 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Woodruff Federal Savings and Loan Association leads on 5 and Founders Federal Credit Union on 2. 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.