Carolinas Telco Federal Credit Union (NCUA charter #23494) is based in Charlotte, North Carolina. Its Q2 2026 call report shows $506.3M in total assets and $425.2M in member shares and deposits and 8 offices across 3 states.
Based on its Q2 2026 filing, Carolinas Telco Federal Credit Union scores 79/100, which we describe as strong. That is higher than 76% of 1,341 credit unions with $100 million – $1 billion. Among 57 credit unions headquartered in North Carolina, it ranks 14th. Its strongest component is capital cushion (100/100; 15.06%), and its lowest is earnings (41/100; 0.52%).
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 rose 3 points (76 → 79), mostly because the earnings component improved by 5 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 64 |
| Q4 2024 | 62 |
| Q1 2025 | 74 |
| Q2 2025 | 76 |
| Q3 2025 | 75 |
| Q4 2025 | 76 |
| Q1 2026 | 78 |
| Q2 2026 | 79 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.13% |
| Q3 2024 | 14.42% |
| Q4 2024 | 14.12% |
| Q1 2025 | 14.40% |
| Q2 2025 | 14.76% |
| Q3 2025 | 14.84% |
| Q4 2025 | 14.77% |
| Q1 2026 | 14.67% |
| Q2 2026 | 15.06% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.26% |
| Q3 2024 | 1.40% |
| Q4 2024 | 1.50% |
| Q1 2025 | 0.97% |
| Q2 2025 | 1.00% |
| Q3 2025 | 1.02% |
| Q4 2025 | 0.95% |
| Q1 2026 | 0.78% |
| Q2 2026 | 0.91% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.65% |
| Q3 2024 | -0.49% |
| Q4 2024 | -0.78% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.41% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.41% |
| Q1 2026 | 0.41% |
| Q2 2026 | 0.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $506.3M | 15.06% | 0.91% | 0.52% | 69.5% |
| Q1 2026 | 78 | $514.4M | 14.67% | 0.78% | 0.41% | 67.5% |
| Q4 2025 | 76 | $507.2M | 14.77% | 0.95% | 0.41% | 69.8% |
| Q3 2025 | 75 | $506.6M | 14.84% | 1.02% | 0.42% | 74.1% |
| Q2 2025 | 76 | $505.5M | 14.76% | 1.00% | 0.41% | 72.4% |
| Q1 2025 | 74 | $513.3M | 14.40% | 0.97% | 0.29% | 68.9% |
| Q4 2024 | 62 | $521.0M | 14.12% | 1.50% | -0.78% | 68.1% |
| Q3 2024 | 64 | $529.3M | 14.42% | 1.40% | -0.49% | 69.3% |
| Q2 2024 | 64 | $541.8M | 14.13% | 1.26% | -0.65% | 69.4% |
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).
Similar-size credit unions in North Carolina
| 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 |
| Champion Credit UnionCredit union Canton, NC | 74 out of 100, Strong | $551.9M | 12.2% | 0.24% | vs |
| Telco Community Credit UnionCredit union Candler, NC | 76 out of 100, Strong | $429.3M | 12.4% | 1.23% | vs |
| Mountain Credit UnionCredit union Waynesville, NC | 70 out of 100, Strong | $372.4M | 11.2% | 0.67% | vs |
| Summit Credit UnionCredit union Greensboro, NC | 82 out of 100, Strong | $368.8M | 15.4% | 0.71% | vs |
| Piedmont Advantage Credit UnionCredit union Winston Salem, NC | 54 out of 100, Below average | $367.9M | 8.6% | 0.50% | vs |
Deposit insurance
Is my money safe at Carolinas Telco Federal Credit Union?
Yes. Carolinas Telco Federal Credit Union is a federally insured credit union (NCUA charter #23494). 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 8.8% of shares and deposits ($37.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 15.06%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
8 locations
Branches
Carolinas Telco Federal Credit Union lists 8 offices in 6 cities across 3 states. Most locations:
- Charlotte, NC (3)
- Columbia, SC (1)
- Cornelius, NC (1)
- Greenville, SC (1)
- Raleigh, NC (1)
- San Diego, CA (1)
HMDA 2025
Mortgage lending
In 2025, Carolinas Telco Federal Credit Union reported 295 home-loan applications under HMDA (LEI 549300MAIHYOT48UVH49): 213 originated ($47,295,000 total), 27 denied, and 52 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.1%, 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
- Carolinas Telco Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 23494
- RSSD ID
- 1016987
- Primary regulator
- NCUA
- Established
- 1979
- Headquarters
- PO Box 668467, Charlotte, NC 28266
- Employees
- 96
Quick answers
Carolinas Telco Federal Credit Union: common questions
Is Carolinas Telco Federal Credit Union NCUA insured?
Yes. Carolinas Telco Federal Credit Union is a federally insured credit union (NCUA charter #23494). 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 Carolinas Telco Federal Credit Union's TellerScore?
79 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 Carolinas Telco Federal Credit Union have?
8 offices as of the latest NCUA data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Charlotte
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cedar Hill National BankBank Charlotte, NC | 93 out of 100, Very strong | $16.0M | 67.6% | 0.00% | vs |
| Farmers & Merchants BankBank Granite Quarry, NC | 90 out of 100, Very strong | $998.8M | 15.3% | 0.79% | vs |
| Allvac Savings and Credit UnionCredit union Monroe, NC | 90 out of 100, Very strong | $9.5M | 17.6% | 0.09% | vs |
| Members Credit UnionCredit union Winston Salem, NC | 85 out of 100, Very strong | $477.1M | 14.8% | 0.82% | vs |
| Bank of YorkBank York, SC | 83 out of 100, Strong | $317.7M | 12.9% | 0.86% | vs |
| BlueHarbor BankBank Mooresville, NC | 82 out of 100, Strong | $628.4M | 11.8% | 0.00% | vs |