Side-by-side · Q2 2026 data
Carolinas Telco Federal Credit Union vs Summit 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 | Summit Credit Union |
|---|---|---|
| TellerScore | 79 | 82 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 70 | 76 (stronger) |
| Earnings | 41 | 56 (stronger) |
| Funding & liquidity | 91 (stronger) | 82 |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 76th | 82nd |
| Total assets | $506.3M | $368.8M |
| Deposits / shares | $425.2M | $298.4M |
| Capital ratio | 15.06% | 15.44% (stronger) |
| Problem loans | 0.91% | 0.71% (stronger) |
| Net charge-offs | 0.57% (stronger) | 1.22% |
| Return on assets | 0.52% | 0.91% (stronger) |
| Loans ÷ deposits | 69.5% (stronger) | 78.3% |
| Uninsured deposits | 8.8% (stronger) | 11.0% |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | — |
Summit Credit Union has the higher TellerScore (82 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Carolinas Telco Federal Credit Union leads on 3 and Summit Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.