Side-by-side · Q2 2026 data
Carolinas Telco Federal Credit Union vs Electel Cooperative
Credit union
Carolinas Telco Federal Credit Union
Charlotte, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Carolinas Telco Federal Credit Union | Electel Cooperative |
|---|---|---|
| TellerScore | 79 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 70 | 88 (stronger) |
| Earnings | 41 (stronger) | 20 |
| Funding & liquidity | 91 (stronger) | 90 |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 76th | 44th |
| Total assets | $506.3M | $68.2M |
| Deposits / shares | $425.2M | $59.9M |
| Capital ratio | 15.06% (stronger) | 12.67% |
| Problem loans | 0.91% | 0.37% (stronger) |
| Net charge-offs | 0.57% | 0.35% (stronger) |
| Return on assets | 0.52% (stronger) | 0.01% |
| Loans ÷ deposits | 69.5% (stronger) | 70.6% |
| Uninsured deposits | 8.8% | 7.6% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | — |
Carolinas Telco Federal Credit Union has the higher TellerScore (79 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Carolinas Telco Federal Credit Union leads on 4 and Electel Cooperative on 3. 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.