Side-by-side · Q2 2026 data
Caro Federal Credit Union vs Upstate Federal Credit Union
Credit union
Upstate Federal Credit Union
Anderson, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Caro Federal Credit Union | Upstate Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 71 | 91 (stronger) |
| Earnings | 33 (stronger) | 23 |
| Funding & liquidity | 87 | 87 |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 71st | 31st |
| Total assets | $174.9M | $148.5M |
| Deposits / shares | $149.7M | $133.8M |
| Capital ratio | 15.41% (stronger) | 9.77% |
| Problem loans | 0.88% | 0.26% (stronger) |
| Net charge-offs | 0.17% (stronger) | 0.27% |
| Return on assets | 0.32% (stronger) | 0.08% |
| Loans ÷ deposits | 73.4% | 73.3% (stronger) |
| Uninsured deposits | 3.9% | 1.9% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Caro Federal Credit Union has the higher TellerScore (77 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Caro Federal Credit Union leads on 4 and Upstate Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.