Federal credit union · MYRTLE BEACH, South Carolina · NCUA charter #12361
Carolina Trust
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $406.7M
- Total assets
- 40,191
- Members
- 9.9%
- Net-worth ratio
Carolina Trust scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $406.7M; members 40,191; net-worth ratio 9.87%; health rank #2,160 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,160 of 4,374 health · 2025Q4Carolina Trust · health 84/100 · $406.7M · 2025Q4
- ASSETS 84/100
- MEM 9.9%
- RANK 1.18%
- PHOTO 0.63%
- BOOK $406.7M
- CHARTER 40,191
- NCUSIF #2,160/4,374
- CAMELS YOLO
- HEALTH 12361
Call Report peers
Carolina Trust in the assets neighbourhood
Carolina Trust's $406.7M assets sit next to YOLO ($406.7M) 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 Trust 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
84 Top 50% higher than 50% 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 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.
Peer-gap read for Carolina Trust
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +12.83 pp (85.03% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -2.24 pp (9.87% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Carolina Trust sits in South Carolina
- South Carolina health ordinal: #29 of 46.
- Assets rank #14 of 46 inside South Carolina ($406.7M reported).
- South Carolina membership ordinal: #13 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.
How Carolina Trust's 5300 filing moved
Carolina Trust: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $406.7M (2025Q4) to $419.6M (2026Q1).
- Net-worth ratio shifted -0.15 pp (10.02% → 9.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.87% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 29.7 pts
- Delinquency Rate 18.7 pts
- Return on Assets 15.0 pts
- Member Growth 5.3 pts
- Loan-to-Share Ratio 15.3 pts
Carolina Trust health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.87% | -2.24 pp |
| Delinquency Rate | 1.18% | +0.28 pp |
| Return on Assets | 0.63% | +0.01 pp |
| Member Growth | -2.04% | - |
| Loan-to-Share Ratio | 85.03% | +12.83 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).
Carolina Trust filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $419.6M | - |
| 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
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for Carolina Trust, spread across 6 cities.
| Office | City |
|---|---|
| Carolina Trust Federal Credit Union (Main Office) | Myrtle Beach, SC |
| Conway Branch | Conway, SC |
| Johnsonville Branch | Johnsonville, SC |
| Lake City Branch | Lake City, SC |
| Little River Branch | Little River, SC |
| Holmestown Road Branch | Myrtle Beach, SC |
| Surfside Branch | Surfside Beach, SC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near Carolina Trust
Cross-state asset and health neighbours for Carolina Trust - kept outside South Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($406.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Carolina Trust ranks #2,160 of 4,374 nationally on financial health and #29 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GREENVILLE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GREENVILLE
- 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 Trust financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Carolina Trust carries a financial health score of 84/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,160 of 4,374; by total assets it ranks #857 of 4,374 nationally (same basis as /rankings/largest); and #14 of 46 within South Carolina. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.87% 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 84/100, 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 9.87% 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.
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.