Side-by-side · Q2 2026 data
Carolina Bank & Trust Co. vs Carolina Trust Federal Credit Union
Credit union
Carolina Trust Federal Credit Union
Myrtle Beach, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Carolina Bank & Trust Co. | Carolina Trust Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 64 |
| Capital cushion | 85 (stronger) | 50 |
| Loan quality | 86 (stronger) | 72 |
| Earnings | 94 (stronger) | 57 |
| Funding & liquidity | 50 | 73 (stronger) |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 84th | 31st |
| Total assets | $844.6M | $422.0M |
| Deposits / shares | $727.4M | $375.9M |
| Capital ratio | 13.51% (stronger) | 10.04% |
| Problem loans | 0.41% (stronger) | 0.83% |
| Net charge-offs | 0.20% (stronger) | 0.68% |
| Return on assets | 1.85% (stronger) | 0.92% |
| Loans ÷ deposits | 82.3% (stronger) | 87.2% |
| Uninsured deposits | 40.1% | 3.0% (stronger) |
| Offices | 14 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | 52.9% |
Carolina Bank & Trust Co. has the higher TellerScore (83 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Carolina Bank & Trust Co. leads on 6 and Carolina Trust Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.