Federal credit union · MYRTLE BEACH, South Carolina · NCUA charter #12361
Carolina Trust
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $406.7M
- Total assets
- 40,191
- Members
- 9.5%
- Net-worth ratio
Carolina Trust - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #12361: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Carolina Trust - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)96
- Asset quality (delinquency)75
- Earnings (ROA)100
- Member growth36
- Liquidity (loan-to-share)100
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.53% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.53% | 30% |
| Delinquency Rate | 1.18% | 25% |
| Return on Assets | 0.63% | 15% |
| Member Growth | -2.04% | 15% |
| Loan-to-Share Ratio | 85.03% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $406.7M | 40,191 |
| 2024Q4 | $393.9M | 41,027 |
| 2023Q4 | $391.7M | 40,544 |
Credit Union Details
- Charter Number
- 12361
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- South Carolina
- City
- MYRTLE BEACH
- Data Quarter
- 2025Q4
What This Data Says About Carolina Trust
Charter #12361, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Carolina Trust, a federal credit union in MYRTLE BEACH, South Carolina with 40,191 members, $406.7M in total assets, and $307.6M in outstanding loans as of Q4 2025. The five-factor composite scores it 83/100 (Excellent), helped by a net worth ratio of 9.53% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 1.18% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Meanwhile a 85.03% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.63% on net income of $2.6M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.04%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Carolina Trust financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Carolina Trust carries a financial health score of 83/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.53% net worth ratio and a 1.18% delinquency rate.
How does Carolina Trust compare to other credit unions?
PlainCU's health composite puts Carolina Trust at 83/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Trust?
Carolina Trust 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 Trust directly for the exact boundaries and application steps.
Is my money safe at Carolina Trust?
Federal credit unions like Carolina Trust 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 Trust's net worth ratio of 9.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Carolina Trust offer compared to banks?
Credit unions like Carolina Trust 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 Trust directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.