Side-by-side · Q2 2026 data
Electel Cooperative vs Charlotte Fire Department Credit Union
Credit union
Charlotte Fire Department Credit Union
Charlotte, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Electel Cooperative | Charlotte Fire Department Credit Union |
|---|---|---|
| TellerScore | 72 | 74 (stronger) |
| Capital cushion | 77 | 90 (stronger) |
| Loan quality | 88 (stronger) | 47 |
| Earnings | 20 | 55 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 44th | 49th |
| Total assets | $68.2M | $56.0M |
| Deposits / shares | $59.9M | $47.8M |
| Capital ratio | 12.67% | 14.00% (stronger) |
| Problem loans | 0.37% (stronger) | 1.59% |
| Net charge-offs | 0.35% | 0.00% (stronger) |
| Return on assets | 0.01% | 0.87% (stronger) |
| Loans ÷ deposits | 70.6% | 39.4% (stronger) |
| Uninsured deposits | 7.6% | 4.0% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Charlotte Fire Department Credit Union has the higher TellerScore (74 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Electel Cooperative leads on 1 and Charlotte Fire Department Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.