Side-by-side · Q2 2026 data
First Carolina People'S Credit Union vs Guco Credit Union
Credit union
First Carolina People'S Credit Union
Goldsboro, North Carolina · Under $100 million in assets
Metric by metric
| Measure | First Carolina People'S Credit Union | Guco Credit Union |
|---|---|---|
| TellerScore | 21 | 81 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 0 | 96 (stronger) |
| Earnings | 0 | 30 (stronger) |
| Funding & liquidity | 67 | 77 (stronger) |
| Problem-loan coverage | 0 | 99 (stronger) |
| Peer percentile | 0th | 68th |
| Total assets | $33.3M | $10.2M |
| Deposits / shares | $30.3M | $8.4M |
| Capital ratio | 8.61% | 17.82% (stronger) |
| Problem loans | 5.79% | 0.13% (stronger) |
| Net charge-offs | 1.16% | 0.02% (stronger) |
| Return on assets | -1.29% | 0.24% (stronger) |
| Loans ÷ deposits | 93.2% | 83.3% (stronger) |
| Uninsured deposits | 2.1% (stronger) | 2.2% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Guco Credit Union has the higher TellerScore (81 vs 21). On the 7 directional measures above (where higher or lower is clearly better), First Carolina People'S Credit Union leads on 1 and Guco Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.