Side-by-side · Q2 2026 data
The Fidelity Bank vs Carolinas Telco Federal Credit Union
Credit union
Carolinas Telco Federal Credit Union
Charlotte, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | The Fidelity Bank | Carolinas Telco Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 79 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 86 (stronger) | 70 |
| Earnings | 89 (stronger) | 41 |
| Funding & liquidity | 65 | 91 (stronger) |
| Problem-loan coverage | 94 (stronger) | 93 |
| Peer percentile | 86th | 76th |
| Total assets | $4.7B | $506.3M |
| Deposits / shares | $4.2B | $425.2M |
| Capital ratio | 11.47% | 15.06% (stronger) |
| Problem loans | 0.42% (stronger) | 0.91% |
| Net charge-offs | 0.06% (stronger) | 0.57% |
| Return on assets | 1.73% (stronger) | 0.52% |
| Loans ÷ deposits | 69.2% (stronger) | 69.5% |
| Uninsured deposits | 38.2% | 8.8% (stronger) |
| Offices | 57 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | 11.1% |
Carolinas Telco Federal Credit Union has the higher TellerScore (79 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Fidelity Bank leads on 4 and Carolinas Telco Federal Credit Union on 3. 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.