Side-by-side · Q2 2026 data
Bragg Mutual Federal Credit Union vs North Carolina Community Federal Credit Union
Credit union
Bragg Mutual Federal Credit Union
Fayetteville, North Carolina · $100 million – $1 billion
Credit union
North Carolina Community Federal Credit Union
Goldsboro, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Bragg Mutual Federal Credit Union | North Carolina Community Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 80 (stronger) |
| Capital cushion | 33 | 59 (stronger) |
| Loan quality | 72 | 96 (stronger) |
| Earnings | 30 | 65 (stronger) |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 73 | 98 (stronger) |
| Peer percentile | 10th | 78th |
| Total assets | $131.1M | $107.1M |
| Deposits / shares | $118.9M | $98.3M |
| Capital ratio | 8.26% | 10.92% (stronger) |
| Problem loans | 0.85% | 0.13% (stronger) |
| Net charge-offs | 1.30% | 0.38% (stronger) |
| Return on assets | 0.24% | 1.13% (stronger) |
| Loans ÷ deposits | 75.3% | 56.2% (stronger) |
| Uninsured deposits | 9.4% | 6.2% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North Carolina Community Federal Credit Union has the higher TellerScore (80 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Bragg Mutual Federal Credit Union leads on 0 and North Carolina Community Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.