Side-by-side · Q2 2026 data
Pickens Savings and Loan Association, FA vs Carolinas Telco Federal Credit Union
Bank
Pickens Savings and Loan Association, FA
Pickens, South Carolina · $100 million – $1 billion
Credit union
Carolinas Telco Federal Credit Union
Charlotte, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Pickens Savings and Loan Association, FA | Carolinas Telco Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 79 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 100 (stronger) | 70 |
| Earnings | 48 (stronger) | 41 |
| Funding & liquidity | 87 | 91 (stronger) |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 61st | 76th |
| Total assets | $138.3M | $506.3M |
| Deposits / shares | $117.2M | $425.2M |
| Capital ratio | 10.86% | 15.06% (stronger) |
| Problem loans | 0.00% (stronger) | 0.91% |
| Net charge-offs | 0.00% (stronger) | 0.57% |
| Return on assets | 0.70% (stronger) | 0.52% |
| Loans ÷ deposits | 72.8% | 69.5% (stronger) |
| Uninsured deposits | 11.1% | 8.8% (stronger) |
| Offices | 2 | 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 75). On the 7 directional measures above (where higher or lower is clearly better), Pickens Savings and Loan Association, FA leads on 3 and Carolinas Telco Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.