Side-by-side · Q2 2026 data
United Bank 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 | United Bank | North Carolina Community Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 80 (stronger) |
| Capital cushion | 66 (stronger) | 59 |
| Loan quality | 85 | 96 (stronger) |
| Earnings | 82 (stronger) | 65 |
| Funding & liquidity | 44 | 100 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 87th | 78th |
| Total assets | $33.6B | $107.1M |
| Deposits / shares | $27.3B | $98.3M |
| Capital ratio | 11.60% (stronger) | 10.92% |
| Problem loans | 0.44% | 0.13% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.38% |
| Return on assets | 1.56% (stronger) | 1.13% |
| Loans ÷ deposits | 90.5% | 56.2% (stronger) |
| Uninsured deposits | 38.3% | 6.2% (stronger) |
| Offices | 232 | 2 |
| CFPB complaints (3 yrs) | 97 | — |
| Complaints per $1B deposits | 3.5 | — |
| Mortgage denial rate (HMDA) | 20.3% | — |
North Carolina Community Federal Credit Union has the higher TellerScore (80 vs 74). On the 7 directional measures above (where higher or lower is clearly better), United Bank 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.