Side-by-side · Q2 2026 data
Woodruff Federal Savings and Loan Association vs Spratt Savings Bank
Bank
Woodruff Federal Savings and Loan Association
Woodruff, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Woodruff Federal Savings and Loan Association | Spratt Savings Bank |
|---|---|---|
| TellerScore | 78 | 82 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 86 | 92 (stronger) |
| Earnings | 33 (stronger) | 27 |
| Funding & liquidity | 66 | 93 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 72nd | 82nd |
| Total assets | $104.2M | $154.4M |
| Deposits / shares | $69.0M | $123.0M |
| Capital ratio | 31.47% (stronger) | 20.38% |
| Problem loans | 0.42% | 0.23% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.33% (stronger) | 0.18% |
| Loans ÷ deposits | 94.1% | 38.5% (stronger) |
| Uninsured deposits | 9.4% (stronger) | 21.5% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spratt Savings Bank has the higher TellerScore (82 vs 78). On the 6 directional measures above (where higher or lower is clearly better), Woodruff Federal Savings and Loan Association leads on 3 and Spratt Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.