Side-by-side · Q2 2026 data
Lumbee Guaranty Bank vs Bragg Mutual Federal Credit Union
Credit union
Bragg Mutual Federal Credit Union
Fayetteville, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Lumbee Guaranty Bank | Bragg Mutual Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 54 |
| Capital cushion | 57 (stronger) | 33 |
| Loan quality | 88 (stronger) | 72 |
| Earnings | 53 (stronger) | 30 |
| Funding & liquidity | 98 (stronger) | 85 |
| Problem-loan coverage | 97 (stronger) | 73 |
| Peer percentile | 57th | 10th |
| Total assets | $583.5M | $131.1M |
| Deposits / shares | $490.4M | $118.9M |
| Capital ratio | 10.71% (stronger) | 8.26% |
| Problem loans | 0.37% (stronger) | 0.85% |
| Net charge-offs | 0.00% (stronger) | 1.30% |
| Return on assets | 0.83% (stronger) | 0.24% |
| Loans ÷ deposits | 49.1% (stronger) | 75.3% |
| Uninsured deposits | 17.4% | 9.4% (stronger) |
| Offices | 13 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lumbee Guaranty Bank has the higher TellerScore (74 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Lumbee Guaranty Bank leads on 6 and Bragg Mutual Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.