Federal credit union · Charlotte, North Carolina · NCUA charter #23494
Carolinas Telco
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $507.2M
- Total assets
- 31,631
- Members
- 14.7%
- Net-worth ratio
Carolinas Telco scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $507.2M; members 31,631; net-worth ratio 14.67%; health rank #3,522 of 4,374; healthier than 18th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,522 of 4,374 health · 2025Q4Carolinas Telco · health 71/100 · $507.2M · 2025Q4
- HEALTH 71/100
- NW 14.7%
- DELQ 0.95%
- ROA -0.80%
- ASSETS $507.2M
- MEM 31,631
- RANK #3,522/4,374
- PHOTO Westerly Community
- BOOK 23494
Call Report peers
Carolinas Telco in the assets neighbourhood
Carolinas Telco's $507.2M assets sit next to Westerly Community ($506.6M) 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.
Carolinas Telco 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
71 18th percentile higher than 18% 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
Carolinas Telco - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #23494. See our deposit-insurance coverage note.
Carolinas Telco vs Over $500M peers
- Largest favorable gap: Net Worth Ratio at 14.67% vs peer 11.18% (+3.49 pp).
- Largest lag: Loan-to-Share Ratio at 69.79% vs peer 83.90% (-14.11 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Carolinas Telco in North Carolina
- Health composite ranks #42 of 57 among scored North Carolina credit unions.
- North Carolina assets place: #13 of 57.
- Membership ranks #16 of 57 among North Carolina CUs with a reported count (31,631 members).
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Carolinas Telco's 5300 filing moved
Carolinas Telco: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $507.2M (2025Q4) to $514.4M (2026Q1).
- Net-worth ratio shifted -0.10 pp (14.77% → 14.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.67% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.5 pts
- Return on Assets 0.0 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Carolinas Telco
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.67% | +3.49 pp |
| Delinquency Rate | 0.95% | +0.07 pp |
| Return on Assets | -0.80% | -1.31 pp |
| Member Growth | -2.10% | - |
| Loan-to-Share Ratio | 69.79% | -14.11 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Carolinas Telco
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $514.4M | - |
| 2025Q4 | $507.2M | 31,631 |
| 2024Q4 | $521.0M | 32,308 |
| 2023Q4 | $559.2M | 32,826 |
Credit Union Details
- Charter Number
- 23494
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- North Carolina
- City
- Charlotte
- Data Quarter
- 2025Q4
Branch Locations (10)
Carolinas Telco operates 10 offices across 7 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Harris Corners (Main Office) | Charlotte, NC |
| Charlotte - Central Ave. | Charlotte, NC |
| Charlotte - South Blvd. | Charlotte, NC |
| Charlotte - Tuckaseegee Rd. | Charlotte, NC |
| Columbia (Outlet Pointe) | Columbia, SC |
| Cornelius (Lake Norman) | Cornelius, NC |
| Gastonia | Gastonia, NC |
| Greenville | Greenville, SC |
| Raleigh | Raleigh, NC |
| Corelation | San Diego, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
More federally-insured credit unions based in North Carolina, ordered by peer group match and asset size.
Other-state peers near Carolinas Telco
Carolinas Telco's nationwide photo peers by assets and by health score, excluding North Carolina charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($507.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- Carolinas Telco ranks #3,522 of 4,374 nationally on financial health and #42 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CHAMPION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CHAMPION
- Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North 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 Carolinas Telco financially healthy?
Carolinas Telco has a financial health score of 71/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,522 of 4,374; by total assets it ranks #743 of 4,374 nationally (same basis as /rankings/largest); and #13 of 57 within North Carolina. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.67% and delinquency rate of 0.95%.
How does Carolinas Telco compare to other credit unions?
On PlainCU's health composite, Carolinas Telco lands at 71/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Carolinas Telco?
Carolinas Telco 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 Carolinas Telco directly for the exact boundaries and application steps.
Is my money safe at Carolinas Telco?
Federal credit unions like Carolinas Telco 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. Carolinas Telco's net worth ratio of 14.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Carolinas Telco offer compared to banks?
Credit unions like Carolinas Telco 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 Carolinas Telco 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.