Side-by-side · Q2 2026 data
American Bank of the Carolinas vs Family Trust Federal Credit Union
Credit union
Family Trust Federal Credit Union
Rock Hill, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | American Bank of the Carolinas | Family Trust Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 71 |
| Capital cushion | 73 (stronger) | 69 |
| Loan quality | 100 (stronger) | 76 |
| Earnings | 78 (stronger) | 61 |
| Funding & liquidity | 51 | 66 (stronger) |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 77th | 54th |
| Total assets | $214.0M | $805.4M |
| Deposits / shares | $183.8M | $675.5M |
| Capital ratio | 12.27% (stronger) | 11.85% |
| Problem loans | 0.00% (stronger) | 0.73% |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | 1.45% (stronger) | 1.04% |
| Loans ÷ deposits | 90.6% (stronger) | 94.6% |
| Uninsured deposits | 31.7% | 8.4% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.6% |
American Bank of the Carolinas has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), American Bank of the Carolinas leads on 6 and Family Trust Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.