Side-by-side · Q2 2026 data
American Bank of the Carolinas vs Skyla Federal Credit Union
Credit union
Skyla Federal Credit Union
Charlotte, North Carolina · $1 billion – $10 billion
Metric by metric
| Measure | American Bank of the Carolinas | Skyla Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 54 |
| Capital cushion | 73 (stronger) | 46 |
| Loan quality | 100 (stronger) | 56 |
| Earnings | 78 (stronger) | 42 |
| Funding & liquidity | 51 | 67 (stronger) |
| Problem-loan coverage | 100 (stronger) | 78 |
| Peer percentile | 77th | 11th |
| Total assets | $214.0M | $1.7B |
| Deposits / shares | $183.8M | $1.4B |
| Capital ratio | 12.27% (stronger) | 9.61% |
| Problem loans | 0.00% (stronger) | 1.32% |
| Net charge-offs | 0.00% (stronger) | 0.79% |
| Return on assets | 1.45% (stronger) | 0.56% |
| Loans ÷ deposits | 90.6% (stronger) | 93.0% |
| Uninsured deposits | 31.7% | 7.8% (stronger) |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 41.1% |
American Bank of the Carolinas has the higher TellerScore (80 vs 54). On the 7 directional measures above (where higher or lower is clearly better), American Bank of the Carolinas leads on 6 and Skyla Federal Credit Union on 1. 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.