Side-by-side · Q2 2026 data
Farmers & Merchants 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 | Farmers & Merchants Bank | Carolinas Telco Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 79 |
| Capital cushion | 100 | 100 |
| Loan quality | 74 (stronger) | 70 |
| Earnings | 100 (stronger) | 41 |
| Funding & liquidity | 83 | 91 (stronger) |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 95th | 76th |
| Total assets | $998.8M | $506.3M |
| Deposits / shares | $842.6M | $425.2M |
| Capital ratio | 15.25% (stronger) | 15.06% |
| Problem loans | 0.79% (stronger) | 0.91% |
| Net charge-offs | -0.28% (stronger) | 0.57% |
| Return on assets | 2.55% (stronger) | 0.52% |
| Loans ÷ deposits | 63.0% (stronger) | 69.5% |
| Uninsured deposits | 27.7% | 8.8% (stronger) |
| Offices | 12 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | 11.1% |
Farmers & Merchants Bank has the higher TellerScore (90 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 6 and Carolinas Telco Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.