TellerScore

Carolina Foothills Federal Credit Union (NCUA charter #13476) is based in Spartanburg, South Carolina. Its Q2 2026 call report shows $224.3M in total assets and $188.8M in member shares and deposits and 3 offices.

Carolina Foothills Federal Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 51% of its 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in South Carolina, it ranks 29th. Problem-loan coverage contributes the most (84/100, 8.0%); loan quality contributes the least (57/100, 1.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Net worth ratio: 12.02%
Loan quality57/100
Loans 60+ days delinquent ÷ total loans: 1.30%
Earnings76/100
Return on assets (annualized): 1.39%
Funding & liquidity76/100
Loans ÷ shares: 84.3% · 2.7% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.98%

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 3 points (73 → 70), mostly because the loan quality component weakened by 9 points.

TellerScore
596978Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202460
Q4 202459
Q1 202575
Q2 202573
Q3 202566
Q4 202566
Q1 202678
Q2 202670
Net worth ratio
7.00%9.68%12.35%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.03%
Q3 202411.96%
Q4 202411.58%
Q1 202511.94%
Q2 202512.35%
Q3 202511.92%
Q4 202511.74%
Q1 202612.28%
Q2 202612.02%
Delinquent loans (60+ days)
0.71%1.03%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.73%
Q3 20241.09%
Q4 20241.04%
Q1 20250.71%
Q2 20251.03%
Q3 20251.35%
Q4 20251.09%
Q1 20261.04%
Q2 20261.30%
Return on assets
-0.19%1.41%3.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.06%
Q3 2024-0.10%
Q4 2024-0.19%
Q1 20251.31%
Q2 20251.36%
Q3 20250.96%
Q4 20250.81%
Q1 20263.02%
Q2 20261.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$224.3M12.02%1.30%1.39%84.3%
Q1 202678$220.5M12.28%1.04%3.02%85.5%
Q4 202566$218.0M11.74%1.09%0.81%85.3%
Q3 202566$211.0M11.92%1.35%0.96%85.0%
Q2 202573$203.5M12.35%1.03%1.36%86.1%
Q1 202575$204.6M11.94%0.71%1.31%80.6%
Q4 202459$205.1M11.58%1.04%-0.19%82.3%
Q3 202460$200.7M11.96%1.09%-0.10%85.2%
Q2 202464$201.0M12.03%0.73%-0.06%84.0%

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 ratio12.02%
58th
Problem loans1.30%
19th
Net charge-offs0.60%
26th
Return on assets1.39%
86th
Loans to deposits84.3%
30th
Uninsured deposits2.7%
85th
Loan-loss reserves0.00%
50th
Texas ratio8.0%
21st

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Georgetown Kraft Credit UnionCredit union Georgetown, SC87 out of 100, Very strong$191.9M18.7%0.95%vs
Spc Credit UnionCredit union Hartsville, SC66 out of 100, Moderate$265.8M11.4%1.13%vs
Mid Carolina Credit UnionCredit union Lugoff, SC77 out of 100, Strong$181.8M12.7%0.66%vs
Greenville Heritage Federal Credit UnionCredit union Greenville, SC80 out of 100, Strong$181.2M12.5%0.34%vs
Caro Federal Credit UnionCredit union Columbia, SC77 out of 100, Strong$174.9M15.4%0.88%vs
Upstate Federal Credit UnionCredit union Anderson, SC64 out of 100, Moderate$148.5M9.8%0.26%vs

Deposit insurance

Is my money safe at Carolina Foothills Federal Credit Union?

Yes. Carolina Foothills Federal Credit Union is a federally insured credit union (NCUA charter #13476). 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 2.7% of shares and deposits ($5.1M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.02%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Carolina Foothills Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Carolina Foothills Federal Credit Union
Type
Federal credit union
NCUA charter #
13476
RSSD ID
839189
Primary regulator
NCUA
Established
1960
Headquarters
PO Box 1411, Spartanburg, SC 29304
Employees
63

Quick answers

Carolina Foothills Federal Credit Union: common questions

Is Carolina Foothills Federal Credit Union NCUA insured?

Yes. Carolina Foothills Federal Credit Union is a federally insured credit union (NCUA charter #13476). 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 Foothills Federal Credit Union's TellerScore?

70 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 Carolina Foothills Federal Credit Union have?

3 offices as of the latest NCUA data.