Side-by-side · Q2 2026 data
Providence Bank vs Marine Federal Credit Union
Credit union
Marine Federal Credit Union
Jacksonville, North Carolina · $1 billion – $10 billion
Metric by metric
| Measure | Providence Bank | Marine Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 57 |
| Capital cushion | 72 (stronger) | 54 |
| Loan quality | 96 (stronger) | 55 |
| Earnings | 92 (stronger) | 43 |
| Funding & liquidity | 56 | 73 (stronger) |
| Problem-loan coverage | 98 (stronger) | 79 |
| Peer percentile | 93rd | 17th |
| Total assets | $1.5B | $1.1B |
| Deposits / shares | $1.3B | $981.1M |
| Capital ratio | 12.21% (stronger) | 10.41% |
| Problem loans | 0.12% (stronger) | 1.36% |
| Net charge-offs | 0.00% (stronger) | 1.82% |
| Return on assets | 1.80% (stronger) | 0.58% |
| Loans ÷ deposits | 96.6% | 87.0% (stronger) |
| Uninsured deposits | 21.5% | 7.9% (stronger) |
| Offices | 10 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | 18.7% |
Providence Bank has the higher TellerScore (82 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Providence Bank leads on 5 and Marine Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Jacksonville, NC
- Holly Ridge, NC
- Richlands, NC