Side-by-side · Q2 2026 data
American Bank of the Carolinas vs Sharonview Federal Credit Union
Credit union
Sharonview Federal Credit Union
Fort Mill, South Carolina · $1 billion – $10 billion
Metric by metric
| Measure | American Bank of the Carolinas | Sharonview Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 44 |
| Capital cushion | 73 (stronger) | 26 |
| Loan quality | 100 (stronger) | 61 |
| Earnings | 78 (stronger) | 11 |
| Funding & liquidity | 51 | 80 (stronger) |
| Problem-loan coverage | 100 (stronger) | 72 |
| Peer percentile | 77th | 3rd |
| Total assets | $214.0M | $1.3B |
| Deposits / shares | $183.8M | $1.2B |
| Capital ratio | 12.27% (stronger) | 7.63% |
| Problem loans | 0.00% (stronger) | 1.18% |
| Net charge-offs | 0.00% (stronger) | 0.78% |
| Return on assets | 1.45% (stronger) | -0.23% |
| Loans ÷ deposits | 90.6% | 80.3% (stronger) |
| Uninsured deposits | 31.7% | 9.6% (stronger) |
| Offices | 3 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 50.3% |
American Bank of the Carolinas has the higher TellerScore (80 vs 44). On the 7 directional measures above (where higher or lower is clearly better), American Bank of the Carolinas leads on 5 and Sharonview Federal Credit Union on 2. 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.