Side-by-side · Q2 2026 data
Carolina Bank & Trust Co. vs S C I Federal Credit Union
Metric by metric
| Measure | Carolina Bank & Trust Co. | S C I Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 76 |
| Capital cushion | 85 | 92 (stronger) |
| Loan quality | 86 | 88 (stronger) |
| Earnings | 94 (stronger) | 10 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 84th | 54th |
| Total assets | $844.6M | $23.6M |
| Deposits / shares | $727.4M | $20.2M |
| Capital ratio | 13.51% | 14.24% (stronger) |
| Problem loans | 0.41% | 0.36% (stronger) |
| Net charge-offs | 0.20% | 0.04% (stronger) |
| Return on assets | 1.85% (stronger) | -0.25% |
| Loans ÷ deposits | 82.3% | 46.2% (stronger) |
| Uninsured deposits | 40.1% | 0.6% (stronger) |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | — |
Carolina Bank & Trust Co. has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Carolina Bank & Trust Co. leads on 2 and S C I Federal Credit Union on 5. 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.