Side-by-side · Q2 2026 data
Carolina Federal Credit Union vs Wnc Community Credit Union
Credit union
Carolina Federal Credit Union
Cherryville, North Carolina · Under $100 million in assets
Credit union
Wnc Community Credit Union
Waynesville, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Carolina Federal Credit Union | Wnc Community Credit Union |
|---|---|---|
| TellerScore | 65 | 83 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 76 | 91 (stronger) |
| Earnings | 47 | 48 (stronger) |
| Funding & liquidity | 76 | 76 |
| Problem-loan coverage | 86 | 97 (stronger) |
| Peer percentile | 30th | 72nd |
| Total assets | $85.1M | $96.0M |
| Deposits / shares | $75.2M | $78.9M |
| Capital ratio | 10.58% | 17.03% (stronger) |
| Problem loans | 0.72% | 0.28% (stronger) |
| Net charge-offs | 0.43% | 0.02% (stronger) |
| Return on assets | 0.68% | 0.70% (stronger) |
| Loans ÷ deposits | 84.5% | 84.1% (stronger) |
| Uninsured deposits | 11.8% | 1.7% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wnc Community Credit Union has the higher TellerScore (83 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Carolina Federal Credit Union leads on 0 and Wnc Community Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.