Federal credit union · CHERRYVILLE, North Carolina · NCUA charter #19788
CAROLINA
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $83.8M
- Total assets
- 7,386
- Members
- 10.4%
- Net-worth ratio
CAROLINA scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $83.8M; members 7,386; net-worth ratio 10.44%; health rank #1,306 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,306 of 4,374 health · 2025Q4CAROLINA · health 89/100 · $83.8M · 2025Q4
Call Report peers
CAROLINA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CAROLINA vs every NCUA-scored credit union
CAROLINA sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
CAROLINA vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +19.04 pp (81.64% vs 62.60%).
- Net Worth Ratio trails the peer set - 10.44% here, 13.62% peer average (-3.18 pp).
North Carolina standing for CAROLINA
- North Carolina health ordinal: #16 of 57.
- By total assets, CAROLINA is #29 of 57 in North Carolina.
- North Carolina membership ordinal: #28 of 57.
- One place up in North Carolina, American Partners (#15) ties at 89/100; one place down, NOVA (#17) scores 88/100, 1 point lower.
CAROLINA: 2025Q4 → 2026Q1
CAROLINA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $83.8M (2025Q4) to $84.9M (2026Q1).
- Net-worth ratio shifted +0.04 pp (10.40% → 10.44%).
At 10.44%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
CAROLINA gives up 11 points in total. Member Growth costs the most, 8.7 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 22.6 pts
- Return on Assets 15.0 pts
- Member Growth 6.3 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for CAROLINA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.44% | -3.18 pp |
| Delinquency Rate | 0.74% | -0.22 pp |
| Return on Assets | 0.81% | +0.16 pp |
| Member Growth | -1.52% | - |
| Loan-to-Share Ratio | 81.64% | +19.04 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $84.9M | - |
| 2025Q4 | $83.8M | 7,386 |
| 2024Q4 | $78.5M | 7,500 |
| 2023Q4 | $71.1M | 7,309 |
Credit Union Details
- Charter Number
- 19788
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $50M–$100M
- State
- North Carolina
- City
- CHERRYVILLE
- Data Quarter
- 2025Q4
Branch Location
CAROLINA operates a single office in Cherryville, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Carolina Federal Credit Union (Main Office) | Cherryville, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
A look at other North Carolina credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- CAROLINA ranks #1,306 of 4,374 nationally on financial health and #16 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- REVITY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with REVITY
Frequently Asked Questions
Is CAROLINA financially healthy?
CAROLINA has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,306 of 4,374 nationally on health and #16 of 57 in North Carolina. Its net worth ratio is 10.44% and its delinquency rate 0.74%.
How does CAROLINA compare to other credit unions?
CAROLINA scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (81.64% vs 62.60%). Its widest shortfall is net worth ratio (10.44% vs 13.62%).
How can I join CAROLINA?
CAROLINA 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 CAROLINA directly for the exact boundaries and application steps.
Is my money safe at CAROLINA?
CAROLINA 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. CAROLINA's net worth ratio of 10.44% 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.