Side-by-side · Q2 2026 data
Carolinas Telco Federal Credit Union vs State Employees' 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 | State Employees' Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 50 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 70 (stronger) | 21 |
| Earnings | 41 | 49 (stronger) |
| Funding & liquidity | 91 (stronger) | 88 |
| Problem-loan coverage | 93 (stronger) | 69 |
| Peer percentile | 76th | 6th |
| Total assets | $506.3M | $60.0B |
| Deposits / shares | $425.2M | $53.5B |
| Capital ratio | 15.06% (stronger) | 10.12% |
| Problem loans | 0.91% (stronger) | 2.38% |
| Net charge-offs | 0.57% (stronger) | 0.66% |
| Return on assets | 0.52% | 0.72% (stronger) |
| Loans ÷ deposits | 69.5% (stronger) | 72.3% |
| Uninsured deposits | 8.8% | 8.6% (stronger) |
| Offices | 8 | 280 |
| 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 50). On the 7 directional measures above (where higher or lower is clearly better), Carolinas Telco Federal Credit Union leads on 5 and State Employees' Credit Union on 2. 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.