Side-by-side · Q2 2026 data
Family Trust Federal Credit Union vs Carolinas Telco Federal Credit Union
Credit union
Family Trust Federal Credit Union
Rock Hill, South Carolina · $100 million – $1 billion
Credit union
Carolinas Telco Federal Credit Union
Charlotte, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Family Trust Federal Credit Union | Carolinas Telco Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 79 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 76 (stronger) | 70 |
| Earnings | 61 (stronger) | 41 |
| Funding & liquidity | 66 | 91 (stronger) |
| Problem-loan coverage | 90 | 93 (stronger) |
| Peer percentile | 54th | 76th |
| Total assets | $805.4M | $506.3M |
| Deposits / shares | $675.5M | $425.2M |
| Capital ratio | 11.85% | 15.06% (stronger) |
| Problem loans | 0.73% (stronger) | 0.91% |
| Net charge-offs | 0.42% (stronger) | 0.57% |
| Return on assets | 1.04% (stronger) | 0.52% |
| Loans ÷ deposits | 94.6% | 69.5% (stronger) |
| Uninsured deposits | 8.4% (stronger) | 8.8% |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | 11.1% |
Carolinas Telco Federal Credit Union has the higher TellerScore (79 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Family Trust Federal Credit Union leads on 4 and Carolinas Telco Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.