Side-by-side · Q2 2026 data
Carolinas Telco Federal Credit Union vs Allvac Savings and Credit Union
Credit union
Carolinas Telco Federal Credit Union
Charlotte, North Carolina · $100 million – $1 billion
Credit union
Allvac Savings and Credit Union
Monroe, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Carolinas Telco Federal Credit Union | Allvac Savings and Credit Union |
|---|---|---|
| TellerScore | 79 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 70 | 97 (stronger) |
| Earnings | 41 | 63 (stronger) |
| Funding & liquidity | 91 | 91 |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 76th | 89th |
| Total assets | $506.3M | $9.5M |
| Deposits / shares | $425.2M | $7.8M |
| Capital ratio | 15.06% | 17.59% (stronger) |
| Problem loans | 0.91% | 0.09% (stronger) |
| Net charge-offs | 0.57% | 0.39% (stronger) |
| Return on assets | 0.52% | 1.07% (stronger) |
| Loans ÷ deposits | 69.5% | 68.9% (stronger) |
| Uninsured deposits | 8.8% | 8.5% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | — |
Allvac Savings and Credit Union has the higher TellerScore (90 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Carolinas Telco Federal Credit Union leads on 0 and Allvac Savings and Credit Union on 7. 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.