Side-by-side · Q2 2026 data
Carolina Bank & Trust Co. vs Nucor Employee'S Credit Union
Credit union
Nucor Employee'S Credit Union
Florence, South Carolina · Under $100 million in assets
Metric by metric
| Measure | Carolina Bank & Trust Co. | Nucor Employee'S Credit Union |
|---|---|---|
| TellerScore | 83 | 91 (stronger) |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 86 (stronger) | 80 |
| Earnings | 94 (stronger) | 92 |
| Funding & liquidity | 50 | 87 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 84th | 90th |
| Total assets | $844.6M | $68.2M |
| Deposits / shares | $727.4M | $54.2M |
| Capital ratio | 13.51% | 19.74% (stronger) |
| Problem loans | 0.41% (stronger) | 0.61% |
| Net charge-offs | 0.20% (stronger) | 0.20% |
| Return on assets | 1.85% (stronger) | 1.80% |
| Loans ÷ deposits | 82.3% | 73.1% (stronger) |
| Uninsured deposits | 40.1% | 6.2% (stronger) |
| Offices | 14 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | — |
Nucor Employee'S Credit Union has the higher TellerScore (91 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Carolina Bank & Trust Co. leads on 3 and Nucor Employee'S Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.