Side-by-side · Q2 2026 data
Carolinas Telco Federal Credit Union vs Members Credit Union
Credit union
Carolinas Telco Federal Credit Union
Charlotte, North Carolina · $100 million – $1 billion
Credit union
Members Credit Union
Winston Salem, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Carolinas Telco Federal Credit Union | Members Credit Union |
|---|---|---|
| TellerScore | 79 | 85 (stronger) |
| Capital cushion | 100 (stronger) | 98 |
| Loan quality | 70 | 73 (stronger) |
| Earnings | 41 | 62 (stronger) |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 76th | 87th |
| Total assets | $506.3M | $477.1M |
| Deposits / shares | $425.2M | $404.2M |
| Capital ratio | 15.06% (stronger) | 14.83% |
| Problem loans | 0.91% | 0.82% (stronger) |
| Net charge-offs | 0.57% (stronger) | 1.39% |
| Return on assets | 0.52% | 1.06% (stronger) |
| Loans ÷ deposits | 69.5% | 46.5% (stronger) |
| Uninsured deposits | 8.8% | 3.3% (stronger) |
| Offices | 8 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | — |
Members Credit Union has the higher TellerScore (85 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Carolinas Telco Federal Credit Union leads on 2 and Members Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.