Side-by-side · Q2 2026 data
Bank of York vs Carolinas Telco Federal Credit Union
Credit union
Carolinas Telco Federal Credit Union
Charlotte, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Bank of York | Carolinas Telco Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 79 |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 71 (stronger) | 70 |
| Earnings | 89 (stronger) | 41 |
| Funding & liquidity | 91 | 91 |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 84th | 76th |
| Total assets | $317.7M | $506.3M |
| Deposits / shares | $274.2M | $425.2M |
| Capital ratio | 12.88% | 15.06% (stronger) |
| Problem loans | 0.86% (stronger) | 0.91% |
| Net charge-offs | 0.00% (stronger) | 0.57% |
| Return on assets | 1.73% (stronger) | 0.52% |
| Loans ÷ deposits | 35.5% (stronger) | 69.5% |
| Uninsured deposits | 23.7% | 8.8% (stronger) |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | 11.1% |
Bank of York has the higher TellerScore (83 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Bank of York leads on 5 and Carolinas Telco Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.