Side-by-side · Q2 2026 data
American Bank of the Carolinas vs Carolinas Telco Federal Credit Union
Credit union
Carolinas Telco Federal Credit Union
Charlotte, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | American Bank of the Carolinas | Carolinas Telco Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 79 |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 100 (stronger) | 70 |
| Earnings | 78 (stronger) | 41 |
| Funding & liquidity | 51 | 91 (stronger) |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 77th | 76th |
| Total assets | $214.0M | $506.3M |
| Deposits / shares | $183.8M | $425.2M |
| Capital ratio | 12.27% | 15.06% (stronger) |
| Problem loans | 0.00% (stronger) | 0.91% |
| Net charge-offs | 0.00% (stronger) | 0.57% |
| Return on assets | 1.45% (stronger) | 0.52% |
| Loans ÷ deposits | 90.6% | 69.5% (stronger) |
| Uninsured deposits | 31.7% | 8.8% (stronger) |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.1% |
American Bank of the Carolinas has the higher TellerScore (80 vs 79). On the 7 directional measures above (where higher or lower is clearly better), American Bank of the Carolinas leads on 4 and Carolinas Telco Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.