Side-by-side · Q2 2026 data
Carolina Trust Federal Credit Union vs Spc Credit Union
Credit union
Carolina Trust Federal Credit Union
Myrtle Beach, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Carolina Trust Federal Credit Union | Spc Credit Union |
|---|---|---|
| TellerScore | 64 | 66 (stronger) |
| Capital cushion | 50 | 64 (stronger) |
| Loan quality | 72 (stronger) | 62 |
| Earnings | 57 (stronger) | 46 |
| Funding & liquidity | 73 | 93 (stronger) |
| Problem-loan coverage | 87 (stronger) | 86 |
| Peer percentile | 31st | 37th |
| Total assets | $422.0M | $265.8M |
| Deposits / shares | $375.9M | $234.3M |
| Capital ratio | 10.04% | 11.42% (stronger) |
| Problem loans | 0.83% (stronger) | 1.13% |
| Net charge-offs | 0.68% (stronger) | 0.71% |
| Return on assets | 0.92% (stronger) | 0.65% |
| Loans ÷ deposits | 87.2% | 67.7% (stronger) |
| Uninsured deposits | 3.0% (stronger) | 3.5% |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 52.9% | 46.8% |
Spc Credit Union has the higher TellerScore (66 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Carolina Trust Federal Credit Union leads on 4 and Spc Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.