Side-by-side · Q2 2026 data
Shuford Federal Credit Union vs Cs Credit Union
Credit union
Shuford Federal Credit Union
Hickory, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Shuford Federal Credit Union | Cs Credit Union |
|---|---|---|
| TellerScore | 75 | 84 (stronger) |
| Capital cushion | 87 | 100 (stronger) |
| Loan quality | 70 | 85 (stronger) |
| Earnings | 65 (stronger) | 40 |
| Funding & liquidity | 66 | 97 (stronger) |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 52nd | 75th |
| Total assets | $36.1M | $30.5M |
| Deposits / shares | $30.5M | $25.3M |
| Capital ratio | 13.71% | 18.69% (stronger) |
| Problem loans | 0.89% | 0.46% (stronger) |
| Net charge-offs | 0.13% (stronger) | 0.20% |
| Return on assets | 1.14% (stronger) | 0.50% |
| Loans ÷ deposits | 93.9% | 63.6% (stronger) |
| Uninsured deposits | 3.7% | 1.1% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cs Credit Union has the higher TellerScore (84 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Shuford Federal Credit Union leads on 2 and Cs Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.