Side-by-side · Q2 2026 data
American Bank of the Carolinas vs Charlotte Fire Department Credit Union
Credit union
Charlotte Fire Department Credit Union
Charlotte, North Carolina · Under $100 million in assets
Metric by metric
| Measure | American Bank of the Carolinas | Charlotte Fire Department Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 74 |
| Capital cushion | 73 | 90 (stronger) |
| Loan quality | 100 (stronger) | 47 |
| Earnings | 78 (stronger) | 55 |
| Funding & liquidity | 51 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 77th | 49th |
| Total assets | $214.0M | $56.0M |
| Deposits / shares | $183.8M | $47.8M |
| Capital ratio | 12.27% | 14.00% (stronger) |
| Problem loans | 0.00% (stronger) | 1.59% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.45% (stronger) | 0.87% |
| Loans ÷ deposits | 90.6% | 39.4% (stronger) |
| Uninsured deposits | 31.7% | 4.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
American Bank of the Carolinas has the higher TellerScore (80 vs 74). On the 6 directional measures above (where higher or lower is clearly better), American Bank of the Carolinas leads on 3 and Charlotte Fire Department Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.