Side-by-side · Q2 2026 data
American Bank of the Carolinas vs Allvac Savings and Credit Union
Credit union
Allvac Savings and Credit Union
Monroe, North Carolina · Under $100 million in assets
Metric by metric
| Measure | American Bank of the Carolinas | Allvac Savings and Credit Union |
|---|---|---|
| TellerScore | 80 | 90 (stronger) |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 78 (stronger) | 63 |
| Funding & liquidity | 51 | 91 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 77th | 89th |
| Total assets | $214.0M | $9.5M |
| Deposits / shares | $183.8M | $7.8M |
| Capital ratio | 12.27% | 17.59% (stronger) |
| Problem loans | 0.00% (stronger) | 0.09% |
| Net charge-offs | 0.00% (stronger) | 0.39% |
| Return on assets | 1.45% (stronger) | 1.07% |
| Loans ÷ deposits | 90.6% | 68.9% (stronger) |
| Uninsured deposits | 31.7% | 8.5% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Allvac Savings and Credit Union has the higher TellerScore (90 vs 80). On the 7 directional measures above (where higher or lower is clearly better), American Bank of the Carolinas leads on 3 and Allvac Savings and Credit Union on 4. 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.