Side-by-side · Q2 2026 data
Carolina Federal Credit Union vs Welcome Federal Credit Union
Credit union
Carolina Federal Credit Union
Cherryville, North Carolina · Under $100 million in assets
Credit union
Welcome Federal Credit Union
Morrisville, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Carolina Federal Credit Union | Welcome Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 69 (stronger) |
| Capital cushion | 56 | 80 (stronger) |
| Loan quality | 76 (stronger) | 63 |
| Earnings | 47 (stronger) | 28 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 86 | 91 (stronger) |
| Peer percentile | 30th | 38th |
| Total assets | $85.1M | $92.0M |
| Deposits / shares | $75.2M | $79.3M |
| Capital ratio | 10.58% | 13.02% (stronger) |
| Problem loans | 0.72% (stronger) | 1.11% |
| Net charge-offs | 0.43% | 0.16% (stronger) |
| Return on assets | 0.68% (stronger) | 0.21% |
| Loans ÷ deposits | 84.5% | 55.4% (stronger) |
| Uninsured deposits | 11.8% | 10.5% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Welcome Federal Credit Union has the higher TellerScore (69 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Carolina Federal Credit Union leads on 2 and Welcome Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.