Side-by-side · Q2 2026 data
Carolina Federal Credit Union vs Members Credit Union
Credit union
Carolina Federal Credit Union
Cherryville, North Carolina · Under $100 million in assets
Credit union
Members Credit Union
Winston Salem, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Carolina Federal Credit Union | Members Credit Union |
|---|---|---|
| TellerScore | 65 | 85 (stronger) |
| Capital cushion | 56 | 98 (stronger) |
| Loan quality | 76 (stronger) | 73 |
| Earnings | 47 | 62 (stronger) |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 86 | 95 (stronger) |
| Peer percentile | 30th | 87th |
| Total assets | $85.1M | $477.1M |
| Deposits / shares | $75.2M | $404.2M |
| Capital ratio | 10.58% | 14.83% (stronger) |
| Problem loans | 0.72% (stronger) | 0.82% |
| Net charge-offs | 0.43% (stronger) | 1.39% |
| Return on assets | 0.68% | 1.06% (stronger) |
| Loans ÷ deposits | 84.5% | 46.5% (stronger) |
| Uninsured deposits | 11.8% | 3.3% (stronger) |
| Offices | 1 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members Credit Union has the higher TellerScore (85 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Carolina Federal Credit Union leads on 2 and Members 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.