Side-by-side · Q2 2026 data
Southern Bank and Trust Company vs North Carolina Community Federal Credit Union
Credit union
North Carolina Community Federal Credit Union
Goldsboro, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Southern Bank and Trust Company | North Carolina Community Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 80 (stronger) |
| Capital cushion | 46 | 59 (stronger) |
| Loan quality | 96 | 96 |
| Earnings | 76 (stronger) | 65 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 58th | 78th |
| Total assets | $5.3B | $107.1M |
| Deposits / shares | $4.8B | $98.3M |
| Capital ratio | 9.63% | 10.92% (stronger) |
| Problem loans | 0.12% (stronger) | 0.13% |
| Net charge-offs | 0.00% (stronger) | 0.38% |
| Return on assets | 1.40% (stronger) | 1.13% |
| Loans ÷ deposits | 73.9% | 56.2% (stronger) |
| Uninsured deposits | 47.7% | 6.2% (stronger) |
| Offices | 56 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
North Carolina Community Federal Credit Union has the higher TellerScore (80 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank and Trust Company leads on 3 and North Carolina Community Federal Credit Union on 4. 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.