Side-by-side · Q2 2026 data
Belmont Savings Bank, SSB vs Carolinas Telco Federal Credit Union
Credit union
Carolinas Telco Federal Credit Union
Charlotte, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Belmont Savings Bank, SSB | Carolinas Telco Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 79 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 88 (stronger) | 70 |
| Earnings | 38 | 41 (stronger) |
| Funding & liquidity | 43 | 91 (stronger) |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 40th | 76th |
| Total assets | $161.0M | $506.3M |
| Deposits / shares | $111.3M | $425.2M |
| Capital ratio | 12.88% | 15.06% (stronger) |
| Problem loans | 0.37% (stronger) | 0.91% |
| Net charge-offs | 0.00% (stronger) | 0.57% |
| Return on assets | 0.45% | 0.52% (stronger) |
| Loans ÷ deposits | 121.4% | 69.5% (stronger) |
| Uninsured deposits | 21.8% | 8.8% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.1% |
Carolinas Telco Federal Credit Union has the higher TellerScore (79 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Belmont Savings Bank, SSB leads on 2 and Carolinas Telco Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.