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
- CHARTER 76/100
- NCUSIF 12.3%
- CAMELS 1.09%
- HEALTH -0.18%
- NW $218.0M
- DELQ 19,367
- ROA #3,180/4,374
- ASSETS Harris County
- MEM 13476
Call Report peers
Carolina Foothills in the assets neighbourhood
Carolina Foothills's $218.0M assets sit next to Harris County ($218.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
76 26th percentile higher than 26% 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 Foothills - Share Insurance Coverage
Charter #13476's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for SC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Carolina Foothills Call Report trajectory
Carolina Foothills: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $218.0M (2025Q4) to $220.5M (2026Q1).
- Net-worth ratio shifted +0.54 pp (11.74% → 12.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for Carolina Foothills, both outside South Carolina so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($218.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
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
- Rates and health both vary by institution, not just by state -- see how South Carolina credit unions compare overall before assuming this one is typical. South Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Carolina Foothills financially healthy?
Carolina Foothills scores 76/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,180 of 4,374; by total assets it ranks #1,220 of 4,374 nationally (same basis as /rankings/largest); and #17 of 46 within South Carolina. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.28% net worth ratio and a 1.09% delinquency rate.
How does Carolina Foothills compare to other credit unions?
Five weighted metrics from NCUA filings produce Carolina Foothills's 76/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Carolina Foothills are 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."
What rates does Carolina Foothills offer compared to banks?
Credit unions like Carolina Foothills are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Carolina Foothills directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.