Side-by-side · Q2 2026 data
First Federal Savings Bank of Lincolnton vs Carolinas Telco Federal Credit Union
Bank
First Federal Savings Bank of Lincolnton
Lincolnton, North Carolina · $100 million – $1 billion
Credit union
Carolinas Telco Federal Credit Union
Charlotte, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | First Federal Savings Bank of Lincolnton | Carolinas Telco Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 79 |
| Capital cushion | 100 | 100 |
| Loan quality | 85 (stronger) | 70 |
| Earnings | 41 | 41 |
| Funding & liquidity | 69 | 91 (stronger) |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 75th | 76th |
| Total assets | $485.8M | $506.3M |
| Deposits / shares | $390.3M | $425.2M |
| Capital ratio | 17.61% (stronger) | 15.06% |
| Problem loans | 0.46% (stronger) | 0.91% |
| Net charge-offs | 0.04% (stronger) | 0.57% |
| Return on assets | 0.53% (stronger) | 0.52% |
| Loans ÷ deposits | 89.8% | 69.5% (stronger) |
| Uninsured deposits | 16.1% | 8.8% (stronger) |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | 11.1% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Federal Savings Bank of Lincolnton leads on 4 and Carolinas Telco Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.