Side-by-side · Q2 2026 data
Family Trust Federal Credit Union vs Carolina Trust Federal Credit Union
Credit union
Family Trust Federal Credit Union
Rock Hill, South Carolina · $100 million – $1 billion
Credit union
Carolina Trust Federal Credit Union
Myrtle Beach, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Family Trust Federal Credit Union | Carolina Trust Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 64 |
| Capital cushion | 69 (stronger) | 50 |
| Loan quality | 76 (stronger) | 72 |
| Earnings | 61 (stronger) | 57 |
| Funding & liquidity | 66 | 73 (stronger) |
| Problem-loan coverage | 90 (stronger) | 87 |
| Peer percentile | 54th | 31st |
| Total assets | $805.4M | $422.0M |
| Deposits / shares | $675.5M | $375.9M |
| Capital ratio | 11.85% (stronger) | 10.04% |
| Problem loans | 0.73% (stronger) | 0.83% |
| Net charge-offs | 0.42% (stronger) | 0.68% |
| Return on assets | 1.04% (stronger) | 0.92% |
| Loans ÷ deposits | 94.6% | 87.2% (stronger) |
| Uninsured deposits | 8.4% | 3.0% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | 52.9% |
Family Trust Federal Credit Union has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Family Trust Federal Credit Union leads on 5 and Carolina Trust Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.