Side-by-side · Q2 2026 data
First Carolina Bank vs Centra Credit Union
Metric by metric
| Measure | First Carolina Bank | Centra Credit Union |
|---|---|---|
| TellerScore | 66 | 73 (stronger) |
| Capital cushion | 64 | 73 (stronger) |
| Loan quality | 73 (stronger) | 68 |
| Earnings | 51 | 68 (stronger) |
| Funding & liquidity | 62 | 76 (stronger) |
| Problem-loan coverage | 91 (stronger) | 88 |
| Peer percentile | 40th | 70th |
| Total assets | $3.4B | $2.4B |
| Deposits / shares | $2.9B | $2.1B |
| Capital ratio | 11.36% | 12.34% (stronger) |
| Problem loans | 0.81% (stronger) | 0.96% |
| Net charge-offs | 0.00% (stronger) | 0.81% |
| Return on assets | 0.78% | 1.21% (stronger) |
| Loans ÷ deposits | 94.8% | 84.5% (stronger) |
| Uninsured deposits | 17.7% | 13.0% (stronger) |
| Offices | 9 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | 9.4% |
Centra Credit Union has the higher TellerScore (73 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First Carolina Bank leads on 2 and Centra Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.