Side-by-side · Q2 2026 data
Carolinas Telco Federal Credit Union vs Telco Community 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 | Telco Community Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 70 (stronger) | 59 |
| Earnings | 41 | 75 (stronger) |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 93 (stronger) | 89 |
| Peer percentile | 76th | 68th |
| Total assets | $506.3M | $429.3M |
| Deposits / shares | $425.2M | $371.1M |
| Capital ratio | 15.06% (stronger) | 12.43% |
| Problem loans | 0.91% (stronger) | 1.23% |
| Net charge-offs | 0.57% | 0.16% (stronger) |
| Return on assets | 0.52% | 1.39% (stronger) |
| Loans ÷ deposits | 69.5% | 60.6% (stronger) |
| Uninsured deposits | 8.8% | 8.1% (stronger) |
| Offices | 8 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | 2.6% |
Carolinas Telco Federal Credit Union has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Carolinas Telco Federal Credit Union leads on 3 and Telco Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.