TellerScore

Headquartered in Columbia, South Carolina, Caro Federal Credit Union is a federal credit union with $174.9M in total assets and $149.7M in member shares and deposits as of Q2 2026. It operates 5 offices across 2 states. Its charter dates back to 1967.

Based on its Q2 2026 filing, Caro Federal Credit Union scores 77/100, which we describe as strong. That is higher than 71% of 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in South Carolina, it ranks 18th. Its strongest component is capital cushion (100/100; 15.41%), and its lowest is earnings (33/100; 0.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.41%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.88%
Earnings33/100
Return on assets (annualized): 0.32%
Funding & liquidity87/100
Loans ÷ shares: 73.4% · 3.9% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.87%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 77).

TellerScore
757881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202477
Q4 202479
Q1 202581
Q2 202577
Q3 202578
Q4 202575
Q1 202678
Q2 202677
Net worth ratio
7.00%11.53%16.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.80%
Q3 202414.57%
Q4 202415.10%
Q1 202515.65%
Q2 202515.87%
Q3 202516.05%
Q4 202515.79%
Q1 202615.39%
Q2 202615.41%
Delinquent loans (60+ days)
0.42%0.70%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.67%
Q3 20240.61%
Q4 20240.56%
Q1 20250.42%
Q2 20250.81%
Q3 20250.77%
Q4 20250.97%
Q1 20260.79%
Q2 20260.88%
Return on assets
0.27%0.49%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.54%
Q3 20240.48%
Q4 20240.60%
Q1 20250.70%
Q2 20250.60%
Q3 20250.47%
Q4 20250.27%
Q1 20260.28%
Q2 20260.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$174.9M15.41%0.88%0.32%73.4%
Q1 202678$156.1M15.39%0.79%0.28%67.1%
Q4 202575$125.8M15.79%0.97%0.27%78.6%
Q3 202578$125.0M16.05%0.77%0.47%80.7%
Q2 202577$126.0M15.87%0.81%0.60%86.2%
Q1 202581$126.8M15.65%0.42%0.70%87.2%
Q4 202479$129.9M15.10%0.56%0.60%88.9%
Q3 202477$133.4M14.57%0.61%0.48%89.8%
Q2 202478$130.4M14.80%0.67%0.54%85.4%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.41%
87th
Problem loans0.88%
37th
Net charge-offs0.17%
75th
Return on assets0.32%
19th
Loans to deposits73.4%
54th
Uninsured deposits3.9%
73rd
Loan-loss reserves0.00%
50th
Texas ratio3.9%
52nd

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Greenville Heritage Federal Credit UnionCredit union Greenville, SC80 out of 100, Strong$181.2M12.5%0.34%vs
Mid Carolina Credit UnionCredit union Lugoff, SC77 out of 100, Strong$181.8M12.7%0.66%vs
Georgetown Kraft Credit UnionCredit union Georgetown, SC87 out of 100, Very strong$191.9M18.7%0.95%vs
Upstate Federal Credit UnionCredit union Anderson, SC64 out of 100, Moderate$148.5M9.8%0.26%vs
Carolina Foothills Federal Credit UnionCredit union Spartanburg, SC70 out of 100, Strong$224.3M12.0%1.30%vs
Spc Credit UnionCredit union Hartsville, SC66 out of 100, Moderate$265.8M11.4%1.13%vs

Deposit insurance

Is my money safe at Caro Federal Credit Union?

Yes. Caro Federal Credit Union is a federally insured credit union (NCUA charter #24404). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.9% of shares and deposits ($5.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.41%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Caro Federal Credit Union lists 5 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Caro Federal Credit Union
Type
Federal credit union
NCUA charter #
24404
RSSD ID
576783
Primary regulator
NCUA
Established
1967
Headquarters
4480 Rosewood Drive, Columbia, SC 29209
Employees
38

Quick answers

Caro Federal Credit Union: common questions

Is Caro Federal Credit Union NCUA insured?

Yes. Caro Federal Credit Union is a federally insured credit union (NCUA charter #24404). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Caro Federal Credit Union's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Caro Federal Credit Union have?

5 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Columbia

InstitutionScoreAssetsCapitalProblem loansCompare
South Carolina National Guard Federal Credit UnionCredit union Columbia, SC99 out of 100, Very strong$98.3M26.6%0.13%vs
Allsouth Federal Credit UnionCredit union Columbia, SC93 out of 100, Very strong$1.5B19.6%0.41%vs
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
Columbia Post Office Credit UnionCredit union Columbia, SC89 out of 100, Very strong$25.2M24.3%0.28%vs
Curis Financial Credit UnionCredit union Columbia, SC82 out of 100, Strong$84.3M23.5%0.59%vs