Federal credit union · Spartanburg, South Carolina · NCUA charter #13476
Carolina Foothills
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $218.0M
- Total assets
- 19,367
- Members
- 12.3%
- Net-worth ratio
Carolina Foothills scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $218.0M; members 19,367; net-worth ratio 12.28%; health rank #3,180 of 4,374; healthier than 26th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,180 of 4,374 health · 2025Q4Carolina Foothills · health 76/100 · $218.0M · 2025Q4
Call Report peers
Carolina Foothills in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Carolina Foothills vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Carolina Foothills sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Carolina Foothills vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 85.32% vs peer 72.20% (+13.12 pp).
- Return on Assets trails the peer set - -0.18% here, 0.62% peer average (-0.80 pp).
Carolina Foothills in South Carolina
- Health composite ranks #37 of 46 among scored South Carolina credit unions.
- By total assets, Carolina Foothills is #17 of 46 in South Carolina.
- Member book place in South Carolina: #16 of 46.
- One place up in South Carolina, Palmetto First (#36) ties at 76/100; one place down, HOPESOUTH (#38) scores 75/100, 1 point lower.
Carolina Foothills Call Report trajectory
Carolina Foothills: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $218.0M (2025Q4) to $220.5M (2026Q1).
- Net-worth ratio shifted +0.54 pp (11.74% → 12.28%).
This credit union's 12.28% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 76/100 score is built
Carolina Foothills gives up 24 points in total. Return on Assets costs the most, 12.1 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.3 pts
- Return on Assets 2.9 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.28% | +0.17 pp |
| Delinquency Rate | 1.09% | +0.20 pp |
| Return on Assets | -0.18% | -0.80 pp |
| Member Growth | 0.03% | - |
| Loan-to-Share Ratio | 85.32% | +13.12 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Carolina Foothills
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $220.5M | - |
| 2025Q4 | $218.0M | 19,367 |
| 2024Q4 | $205.1M | 19,361 |
| 2023Q4 | $197.5M | 19,030 |
Credit Union Details
- Charter Number
- 13476
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- South Carolina
- City
- Spartanburg
- Data Quarter
- 2025Q4
Branch Locations (8)
Carolina Foothills operates 8 offices across 5 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| New John B White (Main Office) | Spartanburg, SC |
| Gaffney | Gaffney, SC |
| Greenville | Greenville, SC |
| Commonwealth | Greenville, SC |
| Mauldin | Mauldin, SC |
| Symitar | San Diego, CA |
| Spartanburg | Spartanburg, SC |
| John B White | Spartanburg, SC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
Other federally-insured credit unions in South Carolina, closest first by peer group and asset size.
Cross-state Call Report peers for Carolina Foothills
Using this data
- Carolina Foothills ranks #3,180 of 4,374 nationally on financial health and #37 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Georgetown Kraft is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Georgetown Kraft
Frequently Asked Questions
Is Carolina Foothills financially healthy?
Carolina Foothills has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,180 of 4,374 nationally on health and #37 of 46 in South Carolina. Its net worth ratio is 12.28% and its delinquency rate 1.09%.
How does Carolina Foothills compare to other credit unions?
Carolina Foothills scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (85.32% vs 72.20%). Its widest shortfall is return on assets (-0.18% vs 0.62%).
How can I join Carolina Foothills?
Carolina Foothills serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Carolina Foothills directly for the current list of qualifying groups.
Is my money safe at Carolina Foothills?
Carolina Foothills 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 Foothills's net worth ratio of 12.28% 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.