Side-by-side · Q2 2026 data
First Federal Savings Bank of Lincolnton vs Carolina Federal Credit Union
Bank
First Federal Savings Bank of Lincolnton
Lincolnton, North Carolina · $100 million – $1 billion
Credit union
Carolina Federal Credit Union
Cherryville, North Carolina · Under $100 million in assets
Metric by metric
| Measure | First Federal Savings Bank of Lincolnton | Carolina Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 56 |
| Loan quality | 85 (stronger) | 76 |
| Earnings | 41 | 47 (stronger) |
| Funding & liquidity | 69 | 76 (stronger) |
| Problem-loan coverage | 96 (stronger) | 86 |
| Peer percentile | 75th | 30th |
| Total assets | $485.8M | $85.1M |
| Deposits / shares | $390.3M | $75.2M |
| Capital ratio | 17.61% (stronger) | 10.58% |
| Problem loans | 0.46% (stronger) | 0.72% |
| Net charge-offs | 0.04% (stronger) | 0.43% |
| Return on assets | 0.53% | 0.68% (stronger) |
| Loans ÷ deposits | 89.8% | 84.5% (stronger) |
| Uninsured deposits | 16.1% | 11.8% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | — |
First Federal Savings Bank of Lincolnton has the higher TellerScore (79 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings Bank of Lincolnton leads on 4 and Carolina Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.