Side-by-side · Q2 2026 data
Welcome Federal Credit Union vs Guco Credit Union
Credit union
Welcome Federal Credit Union
Morrisville, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Welcome Federal Credit Union | Guco Credit Union |
|---|---|---|
| TellerScore | 69 | 81 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 63 | 96 (stronger) |
| Earnings | 28 | 30 (stronger) |
| Funding & liquidity | 100 (stronger) | 77 |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 38th | 68th |
| Total assets | $92.0M | $10.2M |
| Deposits / shares | $79.3M | $8.4M |
| Capital ratio | 13.02% | 17.82% (stronger) |
| Problem loans | 1.11% | 0.13% (stronger) |
| Net charge-offs | 0.16% | 0.02% (stronger) |
| Return on assets | 0.21% | 0.24% (stronger) |
| Loans ÷ deposits | 55.4% (stronger) | 83.3% |
| Uninsured deposits | 10.5% | 2.2% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Guco Credit Union has the higher TellerScore (81 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Welcome Federal Credit Union leads on 1 and Guco Credit Union on 6. 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.