Side-by-side · Q2 2026 data
Carolinas Telco Federal Credit Union vs Mountain Credit Union
Credit union
Carolinas Telco Federal Credit Union
Charlotte, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Carolinas Telco Federal Credit Union | Mountain Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 62 |
| Loan quality | 70 | 78 (stronger) |
| Earnings | 41 | 43 (stronger) |
| Funding & liquidity | 91 | 95 (stronger) |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 76th | 51st |
| Total assets | $506.3M | $372.4M |
| Deposits / shares | $425.2M | $327.2M |
| Capital ratio | 15.06% (stronger) | 11.22% |
| Problem loans | 0.91% | 0.67% (stronger) |
| Net charge-offs | 0.57% | 0.52% (stronger) |
| Return on assets | 0.52% | 0.59% (stronger) |
| Loans ÷ deposits | 69.5% | 65.4% (stronger) |
| Uninsured deposits | 8.8% | 6.6% (stronger) |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | 19.0% |
Carolinas Telco Federal Credit Union has the higher TellerScore (79 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Carolinas Telco Federal Credit Union leads on 2 and Mountain Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.