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
Call Report peers
Carolina Trust in the assets neighbourhood
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Carolina Trust vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Carolina Trust sits in 80-84 with 767 others.
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
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%).
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.
- One place up in South Carolina, SAFE (#28) ties at 84/100; one place down, South Carolina Methodist Conf (#30) scores 83/100, 1 point lower.
How Carolina Trust's 5300 filing moved
Carolina Trust: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $406.7M (2025Q4) to $419.6M (2026Q1).
- Net-worth ratio shifted -0.15 pp (10.02% → 9.87%).
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
Carolina Trust gives up 16 points in total. Member Growth costs the most, 9.7 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Carolina Trust financially healthy?
Carolina Trust has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,160 of 4,374 nationally on health and #29 of 46 in South Carolina. Its net worth ratio is 9.87% and its delinquency rate 1.18%.
How does Carolina Trust compare to other credit unions?
Carolina Trust scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (85.03% vs 72.20%). Its widest shortfall is net worth ratio (9.87% vs 12.11%).
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?
Carolina Trust 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 Trust's net worth ratio of 9.87% 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.