Side-by-side · Q2 2026 data
Carolina Cooperative vs Charlotte Fire Department Credit Union
Credit union
Charlotte Fire Department Credit Union
Charlotte, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Carolina Cooperative | Charlotte Fire Department Credit Union |
|---|---|---|
| TellerScore | 64 | 74 (stronger) |
| Capital cushion | 92 (stronger) | 90 |
| Loan quality | 42 | 47 (stronger) |
| Earnings | 30 | 55 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 83 | 92 (stronger) |
| Peer percentile | 28th | 49th |
| Total assets | $46.3M | $56.0M |
| Deposits / shares | $39.4M | $47.8M |
| Capital ratio | 14.17% (stronger) | 14.00% |
| Problem loans | 1.73% | 1.59% (stronger) |
| Net charge-offs | 0.58% | 0.00% (stronger) |
| Return on assets | 0.26% | 0.87% (stronger) |
| Loans ÷ deposits | 80.0% | 39.4% (stronger) |
| Uninsured deposits | 3.5% (stronger) | 4.0% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Charlotte Fire Department Credit Union has the higher TellerScore (74 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Carolina Cooperative leads on 2 and Charlotte Fire Department Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.