Side-by-side · Q2 2026 data
Carolina Cooperative vs Shuford Federal Credit Union
Credit union
Shuford Federal Credit Union
Hickory, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Carolina Cooperative | Shuford Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 75 (stronger) |
| Capital cushion | 92 (stronger) | 87 |
| Loan quality | 42 | 70 (stronger) |
| Earnings | 30 | 65 (stronger) |
| Funding & liquidity | 80 (stronger) | 66 |
| Problem-loan coverage | 83 | 89 (stronger) |
| Peer percentile | 28th | 52nd |
| Total assets | $46.3M | $36.1M |
| Deposits / shares | $39.4M | $30.5M |
| Capital ratio | 14.17% (stronger) | 13.71% |
| Problem loans | 1.73% | 0.89% (stronger) |
| Net charge-offs | 0.58% | 0.13% (stronger) |
| Return on assets | 0.26% | 1.14% (stronger) |
| Loans ÷ deposits | 80.0% (stronger) | 93.9% |
| Uninsured deposits | 3.5% (stronger) | 3.7% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Shuford Federal Credit Union has the higher TellerScore (75 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Carolina Cooperative leads on 3 and Shuford Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.