Federal credit union · CHARLOTTE, North Carolina · NCUA charter #24801
Carolina Cooperative
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $48.0M
- Total assets
- 8,691
- Members
- 13.8%
- Net-worth ratio
Carolina Cooperative scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $48.0M; members 8,691; net-worth ratio 13.84%; health rank #3,646 of 4,374; healthier than 16th of scored peers.
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NCUA 5300 Call Report Masthead
#3,646 of 4,374 health · 2025Q4Carolina Cooperative · health 69/100 · $48.0M · 2025Q4
Call Report peers
Carolina Cooperative in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Carolina Cooperative vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Carolina Cooperative sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Carolina Cooperative
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +23.10 pp (82.90% vs 59.80%).
- Net Worth Ratio trails the peer set - 13.84% here, 14.86% peer average (-1.02 pp).
Carolina Cooperative in North Carolina
- Health composite ranks #46 of 57 among scored North Carolina credit unions.
- By total assets, Carolina Cooperative is #38 of 57 in North Carolina.
- North Carolina membership ordinal: #26 of 57.
- One place up in North Carolina, TELCO (#45) scores 70/100, 1 point higher; one place down, Piedmont Advantage Credit Union (#47) scores 64/100, 5 points lower.
Carolina Cooperative: 2025Q4 → 2026Q1
Carolina Cooperative: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.5% from $48.0M (2025Q4) to $47.3M (2026Q1).
- Net-worth ratio shifted +0.30 pp (13.54% → 13.84%).
At 13.84%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 69/100 score is built
Carolina Cooperative gives up 31 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.7 pts
- Return on Assets 4.5 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.8 pts
Carolina Cooperative vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.84% | -1.02 pp |
| Delinquency Rate | 1.04% | -0.11 pp |
| Return on Assets | 0.00% | -0.70 pp |
| Member Growth | -13.11% | - |
| Loan-to-Share Ratio | 82.90% | +23.10 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $47.3M | - |
| 2025Q4 | $48.0M | 8,691 |
| 2024Q4 | $51.2M | 10,002 |
| 2023Q4 | $53.2M | 10,266 |
Credit Union Details
- Charter Number
- 24801
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- North Carolina
- City
- CHARLOTTE
- Data Quarter
- 2025Q4
Branch Locations (3)
Carolina Cooperative operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Charlotte, NC |
| Bessemer | Gastonia, NC |
| Monroe | Monroe, 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.
Carolina Cooperative nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Carolina Cooperative ranks #3,646 of 4,374 nationally on financial health and #46 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HEALTHSHARE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HEALTHSHARE
Frequently Asked Questions
Is Carolina Cooperative financially healthy?
On its 2025Q4 NCUA 5300 filing, Carolina Cooperative scores 69/100 (Good), with a 13.84% net worth ratio and 1.04% of loans delinquent. It ranks #3,646 of 4,374 nationally on health and #46 of 57 in North Carolina.
How does Carolina Cooperative compare to other credit unions?
Carolina Cooperative scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (82.90% vs 59.80%). Its widest shortfall is net worth ratio (13.84% vs 14.86%).
How can I join Carolina Cooperative?
Carolina Cooperative 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 Cooperative directly for the exact boundaries and application steps.
Is my money safe at Carolina Cooperative?
Carolina Cooperative 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 Cooperative's net worth ratio of 13.84% 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.