Side-by-side · Q2 2026 data
Cedar Hill National Bank vs Carolinas Telco Federal Credit Union
Credit union
Carolinas Telco Federal Credit Union
Charlotte, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Cedar Hill National Bank | Carolinas Telco Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 79 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 70 |
| Earnings | 100 (stronger) | 41 |
| Funding & liquidity | 50 | 91 (stronger) |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 94th | 76th |
| Total assets | $16.0M | $506.3M |
| Deposits / shares | $2.0M | $425.2M |
| Capital ratio | 67.56% (stronger) | 15.06% |
| Problem loans | 0.00% (stronger) | 0.91% |
| Net charge-offs | 0.00% (stronger) | 0.57% |
| Return on assets | 4.79% (stronger) | 0.52% |
| Loans ÷ deposits | 0.0% (stronger) | 69.5% |
| Uninsured deposits | 87.5% | 8.8% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.1% |
Cedar Hill National Bank has the higher TellerScore (93 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Cedar Hill National Bank leads on 6 and Carolinas Telco Federal Credit Union on 1. 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.