Side-by-side · Q2 2026 data
Spc Credit Union vs Mid Carolina Credit Union
Metric by metric
| Measure | Spc Credit Union | Mid Carolina Credit Union |
|---|---|---|
| TellerScore | 66 | 77 (stronger) |
| Capital cushion | 64 | 77 (stronger) |
| Loan quality | 62 | 78 (stronger) |
| Earnings | 46 | 55 (stronger) |
| Funding & liquidity | 93 (stronger) | 92 |
| Problem-loan coverage | 86 | 94 (stronger) |
| Peer percentile | 37th | 71st |
| Total assets | $265.8M | $181.8M |
| Deposits / shares | $234.3M | $160.6M |
| Capital ratio | 11.42% | 12.69% (stronger) |
| Problem loans | 1.13% | 0.66% (stronger) |
| Net charge-offs | 0.71% | 0.38% (stronger) |
| Return on assets | 0.65% | 0.89% (stronger) |
| Loans ÷ deposits | 67.7% (stronger) | 68.0% |
| Uninsured deposits | 3.5% (stronger) | 3.6% |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 46.8% | 0.0% |
Mid Carolina Credit Union has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Spc Credit Union leads on 2 and Mid Carolina Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.