TellerScore

Headquartered in Catawba, North Carolina, Cs Credit Union is a federally insured state-chartered credit union with $30.5M in total assets and $25.3M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1986.

Cs Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,479 credit unions with under $100 million in assets. Among 57 credit unions headquartered in North Carolina, it ranks 7th. Capital cushion contributes the most (100/100, 18.69%); earnings contributes the least (40/100, 0.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.69%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.46%
Earnings40/100
Return on assets (annualized): 0.50%
Funding & liquidity97/100
Loans ÷ shares: 63.6% · 1.1% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.30%

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 (85 → 84).

TellerScore
748086Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202474
Q4 202484
Q1 202584
Q2 202585
Q3 202586
Q4 202586
Q1 202686
Q2 202684
Net worth ratio
7.00%12.96%18.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.75%
Q3 202417.58%
Q4 202417.68%
Q1 202517.36%
Q2 202518.06%
Q3 202518.81%
Q4 202518.91%
Q1 202617.95%
Q2 202618.69%
Delinquent loans (60+ days)
0.09%0.85%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.75%
Q3 20241.60%
Q4 20240.51%
Q1 20250.30%
Q2 20250.42%
Q3 20250.21%
Q4 20250.27%
Q1 20260.09%
Q2 20260.46%
Return on assets
0.39%0.54%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.67%
Q3 20240.52%
Q4 20240.55%
Q1 20250.39%
Q2 20250.60%
Q3 20250.63%
Q4 20250.69%
Q1 20260.43%
Q2 20260.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$30.5M18.69%0.46%0.50%63.6%
Q1 202686$31.5M17.95%0.09%0.43%61.9%
Q4 202586$29.7M18.91%0.27%0.69%68.2%
Q3 202586$29.8M18.81%0.21%0.63%69.5%
Q2 202585$30.7M18.06%0.42%0.60%63.5%
Q1 202584$31.6M17.36%0.30%0.39%60.9%
Q4 202484$30.9M17.68%0.51%0.55%59.6%
Q3 202474$31.0M17.58%1.60%0.52%59.3%
Q2 202483$30.6M17.75%0.75%0.67%58.4%

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).

Capital ratio18.69%
73rd
Problem loans0.46%
60th
Net charge-offs0.20%
47th
Return on assets0.50%
42nd
Loans to deposits63.6%
43rd
Uninsured deposits1.1%
53rd
Loan-loss reserves0.00%
37th
Texas ratio1.3%
61st

Similar-size credit unions in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Blue Flame Credit UnionCredit union Charlotte, NC62 out of 100, Moderate$30.3M11.0%0.19%vs
Emergency Responders Credit UnionCredit union Winston Salem, NC57 out of 100, Moderate$30.2M8.1%0.84%vs
First Carolina People'S Credit UnionCredit union Goldsboro, NC21 out of 100, Low$33.3M8.6%5.79%vs
Oteen V. A. Federal Credit UnionCredit union Asheville, NC91 out of 100, Very strong$34.3M13.0%0.15%vs
Shuford Federal Credit UnionCredit union Hickory, NC75 out of 100, Strong$36.1M13.7%0.89%vs
McDowell Cornerstone Credit UnionCredit union Marion, NC70 out of 100, Strong$38.3M17.7%2.53%vs

Deposit insurance

Is my money safe at Cs Credit Union?

Yes. Cs Credit Union is a federally insured credit union (NCUA charter #66856). 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 1.1% of shares and deposits ($285K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 18.69%, 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

Cs Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Cs Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66856
RSSD ID
841593
Primary regulator
State + NCUA
Established
1986
Headquarters
6519 Comm Scope Rd, Catawba, NC 28609
Employees
8

Quick answers

Cs Credit Union: common questions

Is Cs Credit Union NCUA insured?

Yes. Cs Credit Union is a federally insured credit union (NCUA charter #66856). 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 Cs Credit Union's TellerScore?

84 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 Cs Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Catawba

InstitutionScoreAssetsCapitalProblem loansCompare
Members Credit UnionCredit union Winston Salem, NC85 out of 100, Very strong$477.1M14.8%0.82%vs
BlueHarbor BankBank Mooresville, NC82 out of 100, Strong$628.4M11.8%0.00%vs
Summit Credit UnionCredit union Greensboro, NC82 out of 100, Strong$368.8M15.4%0.71%vs
First Federal Savings Bank of LincolntonBank Lincolnton, NC79 out of 100, Strong$485.8M17.6%0.46%vs
Carolinas Telco Federal Credit UnionCredit union Charlotte, NC79 out of 100, Strong$506.3M15.1%0.91%vs
Nova Credit UnionCredit union Charlotte, NC79 out of 100, Strong$120.7M17.6%0.56%vs