Side-by-side · Q2 2026 data
North Carolina Community Federal Credit Union vs Guco Credit Union
Credit union
North Carolina Community Federal Credit Union
Goldsboro, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | North Carolina Community Federal Credit Union | Guco Credit Union |
|---|---|---|
| TellerScore | 80 | 81 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 96 | 96 |
| Earnings | 65 (stronger) | 30 |
| Funding & liquidity | 100 (stronger) | 77 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 78th | 68th |
| Total assets | $107.1M | $10.2M |
| Deposits / shares | $98.3M | $8.4M |
| Capital ratio | 10.92% | 17.82% (stronger) |
| Problem loans | 0.13% | 0.13% (stronger) |
| Net charge-offs | 0.38% | 0.02% (stronger) |
| Return on assets | 1.13% (stronger) | 0.24% |
| Loans ÷ deposits | 56.2% (stronger) | 83.3% |
| Uninsured deposits | 6.2% | 2.2% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Guco Credit Union has the higher TellerScore (81 vs 80). On the 7 directional measures above (where higher or lower is clearly better), North Carolina Community Federal Credit Union leads on 2 and Guco Credit Union on 5. 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.