Side-by-side · Q2 2026 data
Lithium Federal Credit Union vs Carolinas Telco Federal Credit Union
Credit union
Lithium Federal Credit Union
Bessemer City, North Carolina · Under $100 million in assets
Credit union
Carolinas Telco Federal Credit Union
Charlotte, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Lithium Federal Credit Union | Carolinas Telco Federal Credit Union |
|---|---|---|
| TellerScore | 53 | 79 (stronger) |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 17 | 70 (stronger) |
| Earnings | 26 | 41 (stronger) |
| Funding & liquidity | 68 | 91 (stronger) |
| Problem-loan coverage | 72 | 93 (stronger) |
| Peer percentile | 12th | 76th |
| Total assets | $16.2M | $506.3M |
| Deposits / shares | $13.9M | $425.2M |
| Capital ratio | 13.76% | 15.06% (stronger) |
| Problem loans | 2.48% | 0.91% (stronger) |
| Net charge-offs | 0.57% | 0.57% (stronger) |
| Return on assets | 0.16% | 0.52% (stronger) |
| Loans ÷ deposits | 91.9% | 69.5% (stronger) |
| Uninsured deposits | 4.7% (stronger) | 8.8% |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.1% |
Carolinas Telco Federal Credit Union has the higher TellerScore (79 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Lithium Federal Credit Union leads on 1 and Carolinas Telco Federal Credit Union on 6. 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.