TellerScore

Headquartered in Myrtle Beach, South Carolina, Carolina Trust Federal Credit Union is a federal credit union with $422.0M in total assets and $375.9M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1958.

Carolina Trust Federal Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in South Carolina, it ranks 35th. Problem-loan coverage contributes the most (87/100, 6.5%); capital cushion contributes the least (50/100, 10.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Net worth ratio: 10.04%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.83%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity73/100
Loans ÷ shares: 87.2% · 3.0% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.54%

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 (67 → 64), mostly because the loan quality component weakened by 11 points.

TellerScore
616467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202461
Q4 202461
Q1 202565
Q2 202567
Q3 202564
Q4 202562
Q1 202665
Q2 202664
Net worth ratio
7.00%8.52%10.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.17%
Q3 20249.30%
Q4 20249.57%
Q1 20259.16%
Q2 20259.52%
Q3 20259.70%
Q4 202510.02%
Q1 20269.87%
Q2 202610.04%
Delinquent loans (60+ days)
0.52%0.85%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.70%
Q3 20240.77%
Q4 20240.89%
Q1 20250.57%
Q2 20250.52%
Q3 20250.82%
Q4 20251.18%
Q1 20260.76%
Q2 20260.83%
Return on assets
0.59%0.81%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.61%
Q4 20240.65%
Q1 20250.77%
Q2 20250.90%
Q3 20250.94%
Q4 20251.04%
Q1 20260.93%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$422.0M10.04%0.83%0.92%87.2%
Q1 202665$419.6M9.87%0.76%0.93%83.3%
Q4 202562$406.7M10.02%1.18%1.04%85.0%
Q3 202564$408.6M9.70%0.82%0.94%83.2%
Q2 202567$410.6M9.52%0.52%0.90%79.8%
Q1 202565$412.0M9.16%0.57%0.77%76.7%
Q4 202461$393.9M9.57%0.89%0.65%79.3%
Q3 202461$396.8M9.30%0.77%0.61%78.1%
Q2 202462$395.4M9.17%0.70%0.59%77.2%

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 ratio10.04%
29th
Problem loans0.83%
40th
Net charge-offs0.68%
22nd
Return on assets0.92%
62nd
Loans to deposits87.2%
23rd
Uninsured deposits3.0%
82nd
Loan-loss reserves0.00%
50th
Texas ratio6.5%
28th

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Greenville Federal Credit UnionCredit union Greenville, SC71 out of 100, Strong$512.3M11.0%0.50%vs
Mtc Federal Credit UnionCredit union Greenville, SC67 out of 100, Moderate$302.6M12.7%0.90%vs
Spc Credit UnionCredit union Hartsville, SC66 out of 100, Moderate$265.8M11.4%1.13%vs
Carolina Foothills Federal Credit UnionCredit union Spartanburg, SC70 out of 100, Strong$224.3M12.0%1.30%vs
Georgetown Kraft Credit UnionCredit union Georgetown, SC87 out of 100, Very strong$191.9M18.7%0.95%vs
Mid Carolina Credit UnionCredit union Lugoff, SC77 out of 100, Strong$181.8M12.7%0.66%vs

Deposit insurance

Is my money safe at Carolina Trust Federal Credit Union?

Yes. Carolina Trust Federal Credit Union is a federally insured credit union (NCUA charter #12361). 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 3.0% of shares and deposits ($11.4M) 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 10.04%, 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

Carolina Trust Federal Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Carolina Trust Federal Credit Union reported 286 home-loan applications under HMDA (LEI 549300G2G5WIECTLPX95): 121 originated ($25,495,000 total), 137 denied, and 27 withdrawn or closed by the applicant. Its denial rate on decided applications was 52.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Carolina Trust Federal Credit Union
Type
Federal credit union
NCUA charter #
12361
RSSD ID
325084
Primary regulator
NCUA
Established
1958
Headquarters
1010 21st Ave N, P.O.Box 780004, Myrtle Beach, SC 29578
Employees
107

Quick answers

Carolina Trust Federal Credit Union: common questions

Is Carolina Trust Federal Credit Union NCUA insured?

Yes. Carolina Trust Federal Credit Union is a federally insured credit union (NCUA charter #12361). 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 Trust Federal Credit Union's TellerScore?

64 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 Trust Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Myrtle Beach

InstitutionScoreAssetsCapitalProblem loansCompare
Georgetown Kraft Credit UnionCredit union Georgetown, SC87 out of 100, Very strong$191.9M18.7%0.95%vs
Carolina Bank & Trust Co.Bank Lamar, SC83 out of 100, Strong$844.6M13.5%0.41%vs
Santee Cooper Credit UnionCredit union Moncks Corner, SC82 out of 100, Strong$95.9M15.0%0.97%vs
The Conway National BankBank Conway, SC79 out of 100, Strong$2.0B10.2%0.02%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs
The Citizens BankBank Olanta, SC74 out of 100, Strong$1.1B9.9%0.18%vs