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
Call Report peers
Carolinas Telco in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Carolinas Telco sits in 70-74 with 317 others.
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 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).
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).
- One place up in North Carolina, GUCO (#41) scores 73/100, 2 points higher; one place down, R T P (#43) ties at 71/100.
How Carolinas Telco's 5300 filing moved
Carolinas Telco: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $507.2M (2025Q4) to $514.4M (2026Q1).
- Net-worth ratio shifted -0.10 pp (14.77% → 14.67%).
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
Carolinas Telco gives up 29 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio and Net Worth Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Carolinas Telco financially healthy?
On its 2025Q4 NCUA 5300 filing, Carolinas Telco scores 71/100 (Very Good), with a 14.67% net worth ratio and 0.95% of loans delinquent. It ranks #3,522 of 4,374 nationally on health and #42 of 57 in North Carolina.
How does Carolinas Telco compare to other credit unions?
Carolinas Telco scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (14.67% vs 11.18%). Its widest shortfall is loan-to-share ratio (69.79% vs 83.90%).
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?
Carolinas Telco 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. Carolinas Telco's net worth ratio of 14.67% 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.