Side-by-side · Q2 2026 data
Bank of York vs Carolina Federal Credit Union
Credit union
Carolina Federal Credit Union
Cherryville, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Bank of York | Carolina Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 65 |
| Capital cushion | 79 (stronger) | 56 |
| Loan quality | 71 | 76 (stronger) |
| Earnings | 89 (stronger) | 47 |
| Funding & liquidity | 91 (stronger) | 76 |
| Problem-loan coverage | 96 (stronger) | 86 |
| Peer percentile | 84th | 30th |
| Total assets | $317.7M | $85.1M |
| Deposits / shares | $274.2M | $75.2M |
| Capital ratio | 12.88% (stronger) | 10.58% |
| Problem loans | 0.86% | 0.72% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.43% |
| Return on assets | 1.73% (stronger) | 0.68% |
| Loans ÷ deposits | 35.5% (stronger) | 84.5% |
| Uninsured deposits | 23.7% | 11.8% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | — |
Bank of York has the higher TellerScore (83 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Bank of York leads on 5 and Carolina Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.