Side-by-side · Q2 2026 data
Carolina Federal Credit Union vs Electel Cooperative
Credit union
Carolina Federal Credit Union
Cherryville, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Carolina Federal Credit Union | Electel Cooperative |
|---|---|---|
| TellerScore | 65 | 72 (stronger) |
| Capital cushion | 56 | 77 (stronger) |
| Loan quality | 76 | 88 (stronger) |
| Earnings | 47 (stronger) | 20 |
| Funding & liquidity | 76 | 90 (stronger) |
| Problem-loan coverage | 86 | 96 (stronger) |
| Peer percentile | 30th | 44th |
| Total assets | $85.1M | $68.2M |
| Deposits / shares | $75.2M | $59.9M |
| Capital ratio | 10.58% | 12.67% (stronger) |
| Problem loans | 0.72% | 0.37% (stronger) |
| Net charge-offs | 0.43% | 0.35% (stronger) |
| Return on assets | 0.68% (stronger) | 0.01% |
| Loans ÷ deposits | 84.5% | 70.6% (stronger) |
| Uninsured deposits | 11.8% | 7.6% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Electel Cooperative has the higher TellerScore (72 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Carolina Federal Credit Union leads on 1 and Electel Cooperative on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.