Side-by-side · Q2 2026 data
The Citizens Bank vs Carolina Trust Federal Credit Union
Credit union
Carolina Trust Federal Credit Union
Myrtle Beach, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | The Citizens Bank | Carolina Trust Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 64 |
| Capital cushion | 49 | 50 (stronger) |
| Loan quality | 94 (stronger) | 72 |
| Earnings | 70 (stronger) | 57 |
| Funding & liquidity | 83 (stronger) | 73 |
| Problem-loan coverage | 97 (stronger) | 87 |
| Peer percentile | 74th | 31st |
| Total assets | $1.1B | $422.0M |
| Deposits / shares | $1.0B | $375.9M |
| Capital ratio | 9.91% | 10.04% (stronger) |
| Problem loans | 0.18% (stronger) | 0.83% |
| Net charge-offs | 0.05% (stronger) | 0.68% |
| Return on assets | 1.24% (stronger) | 0.92% |
| Loans ÷ deposits | 62.5% (stronger) | 87.2% |
| Uninsured deposits | 28.2% | 3.0% (stronger) |
| Offices | 26 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | 52.9% |
The Citizens Bank has the higher TellerScore (74 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 5 and Carolina Trust Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Myrtle Beach, SC
- Conway, SC
- Lake City, SC