Side-by-side · Q2 2026 data
First Carolina People'S Credit Union vs Emergency Responders Credit Union
Credit union
First Carolina People'S Credit Union
Goldsboro, North Carolina · Under $100 million in assets
Credit union
Emergency Responders Credit Union
Winston Salem, North Carolina · Under $100 million in assets
Metric by metric
| Measure | First Carolina People'S Credit Union | Emergency Responders Credit Union |
|---|---|---|
| TellerScore | 21 | 57 (stronger) |
| Capital cushion | 36 (stronger) | 31 |
| Loan quality | 0 | 72 (stronger) |
| Earnings | 0 | 50 (stronger) |
| Funding & liquidity | 67 | 73 (stronger) |
| Problem-loan coverage | 0 | 84 (stronger) |
| Peer percentile | 0th | 17th |
| Total assets | $33.3M | $30.2M |
| Deposits / shares | $30.3M | $27.5M |
| Capital ratio | 8.61% (stronger) | 8.12% |
| Problem loans | 5.79% | 0.84% (stronger) |
| Net charge-offs | 1.16% (stronger) | 1.96% |
| Return on assets | -1.29% | 0.75% (stronger) |
| Loans ÷ deposits | 93.2% | 87.4% (stronger) |
| Uninsured deposits | 2.1% (stronger) | 11.3% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Emergency Responders Credit Union has the higher TellerScore (57 vs 21). On the 7 directional measures above (where higher or lower is clearly better), First Carolina People'S Credit Union leads on 3 and Emergency Responders Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.