Federal credit union · COLUMBIA, South Carolina · NCUA charter #24404
CARO
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $125.8M
- Total assets
- 7,067
- Members
- 15.4%
- Net-worth ratio
CARO scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $125.8M; members 7,067; net-worth ratio 15.39%; health rank #2,401 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,401 of 4,374 health · 2025Q4CARO · health 82/100 · $125.8M · 2025Q4
Call Report peers
CARO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CARO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CARO sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for CARO
- Largest favorable gap: Loan-to-Share Ratio at 78.56% vs peer 72.20% (+6.36 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.08 pp (0.97% vs 0.89%).
Where CARO sits in South Carolina
- In South Carolina, health place is #31 of 46 on the same NCUA-ratio sort used nationally.
- By total assets, CARO is #22 of 46 in South Carolina.
- Member book place in South Carolina: #27 of 46.
- One place up in South Carolina, South Carolina Methodist Conf (#30) scores 83/100, 1 point higher; one place down, CPM (#32) ties at 82/100.
How CARO's 5300 filing moved
CARO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +24.0% from $125.8M (2025Q4) to $156.1M (2026Q1).
- Net-worth ratio shifted -0.40 pp (15.79% → 15.39%).
15.39% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
CARO gives up 18 points in total. Member Growth costs the most, 13.4 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.3 pts
- Return on Assets 15.0 pts
- Member Growth 1.6 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for CARO
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.39% | +3.28 pp |
| Delinquency Rate | 0.97% | +0.08 pp |
| Return on Assets | 0.62% | -0.01 pp |
| Member Growth | -4.11% | - |
| Loan-to-Share Ratio | 78.56% | +6.36 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
CARO filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $156.1M | - |
| 2025Q4 | $125.8M | 7,067 |
| 2024Q4 | $129.9M | 7,370 |
| 2023Q4 | $123.8M | 7,616 |
Credit Union Details
- Charter Number
- 24404
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- South Carolina
- City
- COLUMBIA
- Data Quarter
- 2025Q4
Branch Locations (6)
CARO operates 6 offices across 4 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Branch-10 (Main Office) | Columbia, SC |
| Branch-00 | Columbia, SC |
| Branch 03 | Columbia, SC |
| Paradise | Drakesboro, KY |
| St. Francis Branch | Greenville, SC |
| Louisville | Louisville, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
A look at other South Carolina credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for CARO
Similar total assets
Similar health score
Using this data
- CARO ranks #2,401 of 4,374 nationally on financial health and #31 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- UPSTATE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with UPSTATE
Frequently Asked Questions
Is CARO financially healthy?
On its 2025Q4 NCUA 5300 filing, CARO scores 82/100 (Excellent), with a 15.39% net worth ratio and 0.97% of loans delinquent. It ranks #2,401 of 4,374 nationally on health and #31 of 46 in South Carolina.
How does CARO compare to other credit unions?
CARO scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (78.56% vs 72.20%). Its widest shortfall is delinquency rate (0.97% vs 0.89%).
How can I join CARO?
CARO operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CARO directly for the exact boundaries and application steps.
Is my money safe at CARO?
CARO is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CARO's net worth ratio of 15.39% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.