CARO
Federal • COLUMBIA, South Carolina • Est. 1967
Quick Facts
- Charter Number
- #24404
- Type
- Federal
- Established
- 1967
- Headquarters
- COLUMBIA, South Carolina 29209-2629
- Address
- 4480 ROSEWOOD DRIVE
- Branches
- 4
- ATMs
- 2
- Members
- 7,067
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
7,067 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CARO |
|---|---|
| Total Assets | $125.8M |
| Members | 7,067 |
| Loans Outstanding | $83.6M |
| Shares & Deposits | $106.4M |
| Net Worth | $19.9M |
| Net Worth Ratio | 15.79% |
| Loan-to-Share Ratio | 78.6% |
| Delinquency Rate | 0.97% |
| Net Income | +$786,798 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 2 ATMs
Branch-10
Main Office4480 Rosewood Dr
Columbia, SC 29209-2629
Branch-00
710 Pulaski St
Columbia, SC 29201-3633
Branch 03
4480 Rosewood Dr
Columbia, SC 29209
St. Francis Branch
121 Sumner St
Greenville, SC 29601-3228
Who Can Join CARO?
Membership Type: Community
Membership eligibility for CARO may vary. Contact the credit union directly to confirm qualification requirements.
Contact CARO directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View South Carolina RankingsFrequently Asked Questions
Yes. CARO is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CARO has 7,067 members and a potential membership field of 100,000 people.
CARO's net worth ratio is 15.79% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 15.8%, CARO meets this threshold.
CARO operates 4 branch locations and has access to 2 ATMs. The main office is located at 4480 Rosewood Dr, Columbia, SC 29209-2629.
CARO was established in 1967. It is a federal credit union chartered under charter number 24404. The institution has been serving members for 59 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CARO. All financial data is for informational purposes only.