Carolina Federal Credit Union (NCUA charter #19788) is based in Cherryville, North Carolina. Its Q2 2026 call report shows $85.1M in total assets and $75.2M in member shares and deposits and 1 office.
Carolina Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 2,479 credit unions with under $100 million in assets. Among 57 credit unions headquartered in North Carolina, it ranks 35th. Problem-loan coverage contributes the most (86/100, 6.9%); earnings contributes the least (47/100, 0.68%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 6 points (71 → 65), mostly because the earnings component weakened by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 70 |
| Q4 2024 | 69 |
| Q1 2025 | 75 |
| Q2 2025 | 71 |
| Q3 2025 | 69 |
| Q4 2025 | 67 |
| Q1 2026 | 65 |
| Q2 2026 | 65 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.75% |
| Q3 2024 | 10.73% |
| Q4 2024 | 10.28% |
| Q1 2025 | 9.98% |
| Q2 2025 | 10.29% |
| Q3 2025 | 10.63% |
| Q4 2025 | 10.40% |
| Q1 2026 | 10.44% |
| Q2 2026 | 10.58% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.70% |
| Q4 2025 | 0.74% |
| Q1 2026 | 0.74% |
| Q2 2026 | 0.72% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 1.15% |
| Q4 2024 | 0.87% |
| Q1 2025 | 1.51% |
| Q2 2025 | 1.22% |
| Q3 2025 | 1.03% |
| Q4 2025 | 0.89% |
| Q1 2026 | 0.71% |
| Q2 2026 | 0.68% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $85.1M | 10.58% | 0.72% | 0.68% | 84.5% |
| Q1 2026 | 65 | $84.9M | 10.44% | 0.74% | 0.71% | 81.0% |
| Q4 2025 | 67 | $83.8M | 10.40% | 0.74% | 0.89% | 81.6% |
| Q3 2025 | 69 | $81.9M | 10.63% | 0.70% | 1.03% | 79.8% |
| Q2 2025 | 71 | $83.4M | 10.29% | 0.59% | 1.22% | 77.2% |
| Q1 2025 | 75 | $84.0M | 9.98% | 0.41% | 1.51% | 69.9% |
| Q4 2024 | 69 | $78.5M | 10.28% | 0.59% | 0.87% | 75.7% |
| Q3 2024 | 70 | $75.8M | 10.73% | 0.81% | 1.15% | 79.1% |
| Q2 2024 | 69 | $73.6M | 10.75% | 0.79% | 1.17% | 83.4% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Revity Federal Credit UnionCredit union Greensboro, NC | 36 out of 100, Low | $83.0M | 7.9% | 2.12% | vs |
| Welcome Federal Credit UnionCredit union Morrisville, NC | 69 out of 100, Moderate | $92.0M | 13.0% | 1.11% | vs |
| Wnc Community Credit UnionCredit union Waynesville, NC | 83 out of 100, Strong | $96.0M | 17.0% | 0.28% | vs |
| Electel CooperativeCredit union Raleigh, NC | 72 out of 100, Strong | $68.2M | 12.7% | 0.37% | vs |
| Lion'S Share Federal Credit UnionCredit union Salisbury, NC | 32 out of 100, Low | $64.7M | 3.2% | 1.26% | vs |
| Acclaim Federal Credit UnionCredit union Greensboro, NC | 78 out of 100, Strong | $60.4M | 12.9% | 0.44% | vs |
Deposit insurance
Is my money safe at Carolina Federal Credit Union?
Yes. Carolina Federal Credit Union is a federally insured credit union (NCUA charter #19788). 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 11.8% of shares and deposits ($8.9M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 10.58%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Carolina Federal Credit Union lists 1 office in 1 city. Most locations:
- Cherryville, NC (1)
Identity & history
Profile
- Legal name
- Carolina Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 19788
- RSSD ID
- 865487
- Primary regulator
- NCUA
- Established
- 1969
- Headquarters
- 1200 E Church Street, Cherryville, NC 28021
- Employees
- 16
Quick answers
Carolina Federal Credit Union: common questions
Is Carolina Federal Credit Union NCUA insured?
Yes. Carolina Federal Credit Union is a federally insured credit union (NCUA charter #19788). 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 Carolina Federal Credit Union's TellerScore?
65 out of 100 (Moderate), 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 Carolina Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Cherryville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members Credit UnionCredit union Winston Salem, NC | 85 out of 100, Very strong | $477.1M | 14.8% | 0.82% | vs |
| Cs Credit UnionCredit union Catawba, NC | 84 out of 100, Strong | $30.5M | 18.7% | 0.46% | vs |
| Bank of YorkBank York, SC | 83 out of 100, Strong | $317.7M | 12.9% | 0.86% | vs |
| First Federal Savings Bank of LincolntonBank Lincolnton, NC | 79 out of 100, Strong | $485.8M | 17.6% | 0.46% | vs |
| Nova Credit UnionCredit union Charlotte, NC | 79 out of 100, Strong | $120.7M | 17.6% | 0.56% | vs |
| Founders Federal Credit UnionCredit union Lancaster, SC | 79 out of 100, Strong | $5.2B | 13.6% | 0.68% | vs |